BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiries : XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-11-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello During Covid 19 i fell through some hardship with work and hours and also had some health concerns that made me fall behind on my mortgage and once getting back on my feet I tried to reach out to my mortgage company to see if there was any assistance or try to modify my loan and I kept being denied. They would not accept any pay rate updates that i continue to provide them they just kept declining it and now i am in desire need of some assistance to keep my home. I have had this home for XXXX years and I have raised my kids and i would love to do what it takes to keep my home so i can also have a place where my grandkids can come and and we continue to be a family i really need and want to stay in my home and as i had no desire to sell this home as i have had for XXXX years and making memories with my kids, Rushmore loan company is not willing to work with me on this matter as i still have a sell date of XXXX 6,2022 I have reached out to loan company and i have reached out to NACA and they have been working as well to try and help me save my home as well as NC HOMEOWNER ASSISTNCE. I explained to RUSHMORE I just need a little more time to make this right and save my home. Please help me and my family. Covid has hit us all hard..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NY
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  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an 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 2022-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person supposed work for XXXX call me with my Account number and the amount we owe saying that if I dont make a payment tru XXXX XXXX will get electricity cut it off so I summit the payment and after that I fine out that I was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Genesis FS Card Services, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Was approved for a card in XXXX of this year. Never received card, Never activated nor used card Company tried to charge me a 75 usage fee for a card that wasn't even activated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: I.C. System, Inc.
State: VA
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:
***See attachments This is the second notice. I previously submitted a FTC report, identity theft affidavit, exhibits and more and got no response

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
I'm very much thankful that the inquiries I requested to be removed were indeed mostly removed, though, there were still four more that I need to remove from my credit report. Please see these inquiries that needed to be removed within 15 days time : XXXX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023

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 2023-03-20
Company: ENOVA INTERNATIONAL, INC.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Back in XXXX on the XXXX of XXXX, I requested that they no longer contact me. I called them up and have it recorded that they agreed to no longer email, call, or send letters in the mail. I had an agreement set up through a third party to pay off the loan. They sent a letter out in XXXX on XXXX XXXX  stating that I owed them Money. They then sent out another letter in XXXX on XXXX XXXX. This resulted in someone in my family seeing this letter and sending them over {$2500.00}. The amount that I owed them through an agreement was {$990.00}. I tried to call them again and demanded that they repay the money back. They refused to do anything about. I called again last Wednesday on XX/XX/XXXX  and talked to someone about it. They assured me nothing was sent out after the XXXX of XXXX. When I started telling them that I am still getting letters and causing problems in my family they assured me someone would be calling me by last Friday, XX/XX/2023. I just called them up again and they still have no answers or anything on what is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a transfer from my transaction account to my savings account for {$1100.00} on XX/XX/XXXX. 

The bank did not post the transfer DEBIT until XX/XX/XXXX. The transfer debit was posted AFTER several debit card transaction that were processed AFTER the transfer. They also posted an XX/XX/XXXX bill payment after several debit card transaction made after the bill payment. 

This caused my transaction account to be overdrawn and the bill payment is now showing as rejected. 

The bank then placed the entire {$1100.00} that I transferred to my savings account on hold, causing the savings account to also be overdrawn. 

When I called the bank, they said that they placed the {$1100.00} on hold because my checking account was overdrawn and said they would not be releasing the {$1100.00} hold in my savings account until I covered the overdrawn balance in the transaction account. I explain that I could cover the overdrawn amount in my transaction account if they removed the hold on MY money in the savings account. The representative stated that the bank would not remove the hold in my savings account, even though that hold was on MY money, until I covered the overdrawn balance in my transaction account. 

I asked to speak to a supervisor. While I was waiting, my wife was able to transfer enough funds into my transaction account so that the account was no longer overdrawn. When I spoke with the supervisor, I was told that they would not be removing the hold, and that I would have to wait until the following business XXXX for the hold to be removed. 

This is a blatant reordering of transaction processing and arbitrary holds to cause fees. Also, I was misinformed by the first representative RE what I needed to do to get access to MY money. I was told that I had to cover the overdrawn balance to get the hold removed, only to then be told that they weren't going to remove the hold and that I had to wait until some automatic process to run the next XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Affirm 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: Account status incorrect

Complaint:
The {$87.00} balance was paid in full. I have provided documentation to XXXX to dispute and they were useless. I'm attaching the email in which they state the balance is paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Professional Receivables Network
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX from Sage Capital called about a {$150.00} debt from XXXX XXXX for my youngest child from a while ago. XXXX had all of our birthdates and our address. I have paid all our bills from XXXX as they came and we had nothing in collections with them. I notified them of this. XXXX did not provide the date of service or any information about what the bill was for. I also notified them that I hadnt received any bills or written communication from them or XXXX. And I informed them that I would be calling XXXX to deal with any billing directly. XXXX left me a call back number of XXXX. I have since called XXXX and they checked under every single family member and we do not owe them anything and have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NC
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:
The unverified account specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged twice a WEEK ago - one went through and the other is still pending!!! I was told by Truist basically tough, XXXX cant even close my account because this extra pending charge has it me negative. I want this reversed so I can close my account. I have NEVER in thirty years ever had an issue like this with my credit union and want out from Truist. They expect me to do their job and definitely arent watching out for customers.

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 2022-07-28
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

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 2021-11-25
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
I went to this dealer to try to complete an online purchase. The website made it appear as if the XXXX i was getting would be {$400.00} a month with {$1700.00} down payment. I submitted credit info on the site and was only expecting to see a single credit pull or inquiry. It would not let me complete the purchase online and required me to come in person. For some reason they were nowhere near the payment calculators numbers. It was actually {$8000.00} to {$10000.00} more than what it originally showed. This is price gauging during covid and delta. It is also non proper disclosure of the hard credit pulls. My credit was hard pulled not just once without proper disclosure and under false pretense, but multiple times. This has caused a negative impact to my credit and needs fixed with all 3 credit agencies. I would like a manager to respond in writing and for them to reply once it is fixed off my credit report. I have a XXXX where I can not currently speak on the phone. So please have them reply in writing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXX/Consumer to XXXX am writing to dispute several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, XXXX, AND EXPERIAN are each reporting completely different information in several sections within my Consumer Reports. XXXX, XXXX, AND EXPERIAN EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, EXPERIAN SHOWS YEARS OF CHARGE-OFF STATUS, AND XXXX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, XXXX, AND EXPERIAN COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, XXXX, AND EXPERIAN. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, XXXX, AND EXPERIAN. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, XXXX, AND EXPERIAN. THE BALANCE SECTIONS ON XXXX, XXXX, AND EXPERIAN ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, XXXX, AND EXPERIAN HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, XXXX, AND EXPERIAN ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent a letter to XXXX XXXX informing them that charge offs are considered income so they should not be reporting negatively on my Consumer report and I wanted to have it removed immediately and permanently.

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