BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: KS
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 am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, Experian ) : XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX  I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..

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 2021-09-30
Company: EQUIFAX, 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:
I ( a natural Person ) submitted a Letter of verification to Equifax on XX/XX/21 regarding an account they claimed they investigated and verified. A response was received from Equifax which then again stated that they verified the account but refused to provide information relevant to the dispute that was provided to them that verified the account. Per 15 U.S. Code 1681i ( a ) ( 2 ) ( b ) The consumer Reporting agency shall promptly provide to the person who provided information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is currently infringing on my rights and if they were able to verify that account as valid i demand that they provide me with the information received to verify account. If information is not obtainable and not received within time frame of 15 U.S. Code 1681i ( A ) i demand that it be deleted from my profile. If this is not corrected i will be forced to move forward with action due to the amount of violations that Equifax is currently accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have constant disputed with the company and even provided proof they refused to move incorrect information from 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 2017-05-22
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-02-11
Company: Meridian Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter 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 2016-05-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: Miller, Stark, Klein and Associates
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Leaves voicemail daily on cell phone, does not identify who they are or where they are calling from, uses threating tactics that a complaint has been filed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment to Capital One on behalf of Walmart Credit card on XX/XX/XXXX and they cleared the payment from my account and credit the payment. However they have it on hold for XXXX days. The supervisor states its no reason at all that it should be on hold and not sure why and refuse to release the hold so I could use my card. If I was I formed my payment would be placed on hold I would never had made a payment greater then what was due. When I asked how come she can not override she state cause of policy. I asked for the policy and of course she states she can not give it to me. I will fill a lawsuit for discrimination. I do not get help to buy food or anything which is what I use this card for and now I'm told the money will not be available till the XXXX when everything is closed... Great!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
been with discover 20 plus years good customer i have no doubt they will respond with a script. they have putnotes on all my accounts essentially disbaling me from getting any help on any of them or interest refunds. Racial profiling of sorts. i will not put up with it. i tried to see if apayment was scheduled on XXXX and to handle the ending offer. so i can avoid interest. i called at XXXX friday XX/XX/XXXX was told to be transferred to XXXX that i could get no help in CS cust service. that is not a way to treat anyone. i cant do business here, wont. but i certainly wont go without knowing if a payment is scheduled or how i can avoid itnerest next weeki will not put up with this. will not. i have no answers. but am being discimrinated against. no customer should have to only deal with one person for issues. not sure who why or when people put notes on my accounts i want them. asap. i was told by one supervisor he would remove them but they are there. so i am done with disocver and just want to know how i can avoid itnerest on XXXX and if a payment was shceduled if i get a late response i will pay nothing. how DARE you treat me this way? XXXX XXXX. if you dont like that i ask for interest bar me from using them. this is no way to treat anyone. no other bank has before. In fact i have reported this conduct here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BOA Business card charged for a XXXX transaction XX/XX/22, processed as cash transaction creating a fee and interest charges as shown on XX/XX/22 statement. Balance paid in full by due dateXXXX but interest charged on cash transaction carried into next month on balance. Charged again in following month XX/XX/22 on unpaid interest as it accrues interest daily. 

Creates a virtual loop of charges for unpaid charges even though you are paying on time. 

Only way to end was to direct funds transfer to pay interest charges XX/XX/22. Rate on cash was a whopping 22 %. 

Its a corrupt scheme to bilk consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone tried to use my social and name to apply for multiple credit cards. 
My credit report for XXXX XXXX XXXX XXXX inquiries from XXXX XXXX and XXXX, XXXX shows XXXX : XXXX from XXXX  XXXX and XXXX from XXXX. 
None of which were 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation