BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2022, I sent certified letters to dispute charge-offs on Equifax, XXXX, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Reviewing my TransUnion credit report, I noticed there were many inquiries which I never made. I have called each one of these companies and they confirmed no application was filed from me and they had no record of my name or social security number. 

This concerns me because 1 ) the wrong people may be accessing my information and pulling reports under the guise of a legitimate company and 2 ) this inaccurate reporting actually lowers my credit score. 

These are the companies I have verified so far that had no record of me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I 'd like to have these inquiries removed from my record immediately. 
Any questions, feel free to call or email me XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2016-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX, Equifax reported a Hard Credit Inquiry by XXXX on my credit report. I have not applied, authorized, or allowed any type of personal credit inquiry since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Healthcare Receivables Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We receive multiple calls from this company on a daily basis. This has been occurring for more than a year. When you answer the phone, you either get a recorded message, strange sounds or the line disconnects altogether. When you do n't answer, they leave a mumbled message over and over again. when you call back, you get a busy signal or a message that this number is not in service at this time. This has occurred as much as XXXX times a day. This is a landline with XXXX so we, with advance request, could obtain a log of the incoming calls to validate the frequency.

Company response to consumer: Closed
Consumer complaint received 2020-03-29
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I recived a notice in the mail from an entity called Convergent Outsourcing , Inc . This notice recd from Convergent Outsourcing is dated XX/XX/XXXX, and indicates that it was mailed on behalf of XXXX, in which they refer to as their client. It also annotates what they claim to be a 'balance due ' of {$120.00}. This is in reference ( Im guessing ) to the only XXXX  account Ive had before, and closed/cancelled in XX/XX/XXXX. This notice also states : 'our client has advised us that they are willing to satisfy your account in full for 50 % of your total balance '. In addition, at the time the XXXX  account was closed/cancelled in XX/XX/XXXX, there was a balance of {$47.00} - which was paid in-full, and in conjunction with the account cancellation. The modem equipment was prompty returned via XXXX XXXX XXXX per instructions provided by XXXX. There were no other invoices or correspondence of any kind received directly from XXXX  after the account cancellation, balance payment, and return of equipment.

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 2020-04-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My previous mortgage company was XXXX XXXX XXXX. In XX/XX/XXXX, I received a generic letter stating that the loan was being transferred to Rushmore Lending, that is all the letter contained. I contacted Rushmore and explained that a third party ( XXXX XXXX ) was making mortgage payments on my behalf. I was  told that nothing could be done at that time due to not having a full transfer and an account number. I was assured that once an account was established I would have sufficient time ( three months ) to get back on track. 

I contacted Rushmore in XXXX, they still did not have an account number. XX/XX/XXXX, I was contacted for payment from Rushmore. I explained again about the third party payments and asked for an account number. I contacted XXXX XXXX  provided them with the account number and they reached out to Rushmore for the amount needed to bring the account current. I followed up with XXXX XXXX  at the beginning of XXXX and was told that Rushmore had not responded to their request. During this time I have received multiple phone calls, at least two packets of foreclosure documents and recently ( XX/XX/XXXX ), a representative left blank debt paperwork on my front door ( violating the Governor 's Executive Order ). I contacted Rushmore Lending ( XX/XX/XXXX ) about the harassment and they did not deny it. I demanded that they stop. 

XXXX XXXX  has paid Rushmore Lending dated {$1900.00} for the months of XXXX. Regular payments in the amount of {$650.00} will begin XX/XX/XXXX. 

The following is a copy of the email that was sent to me from XXXX XXXX. I can submit the original email if I am provided an email account to send it to. 

XXXX  Important Notice Inbox hhfcustomerservice XX/XX/XXXX, XXXX XXXX  to me The Illinois XXXX XXXX XXXX. 

This is to notify you that your Servicing transfer is complete and that XXXX  resumed making mortgage payments on your behalf. 

Reinstatement Payment : {$1900.00} Date : XX/XX/XXXX Monthly Mortgage Payment : {$650.00} Date : XX/XX/XXXX *Estimated Final Assistance Payment Date : XX/XX/XXXX A program conclusion notice will be sent in the mail after the last payment is made. You are responsible for your mortgage payments after the Final Assistance Payment Date. Effective, XX/XX/XXXX resume-making payments to your servicer. 

XXXX-Customer Service XXXX My account is current, but they continue to harass me. This is unacceptable and I need it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Dear TRANSUNION I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. TRANSUNION I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. XXXX I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP

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 2022-04-13
Company: Experian Information Solutions Inc.
State: AL
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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2016-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My score dropped over XXXX points in less than 7 days, NOTHING on my report indicates what may have happened to indicate such a drop in score. I have reached out to XXXX out of the XXXX credit companies and am being offered general information on how scores are calculated. I am aware of how they are calculated, which is why it doesnt make sense or adding up HOW so many points were dropped from my score in a short amount of time ... it is discouraging and need specific help! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to dispute some information on Equifax report. On my first attempt, I filled out the appropriate fields and verified my information. I was about to submit my request for the first dispute when the system kicked me out and said there was an error. Again, I went back to Equifax and upon correctly validating my information I was told that " The information you provided does not match our records so we are unable to process your request online. '' Equifax then asked me to fax in my dispute with a copy of my driver 's license. I tried once more, even asnwering the identity verification questions again and was given the same response. Now, when I attempt to initiate a dispute with Equifax 's credit reporting, I am no longer directed to the validation questions but am instead immediately asked to fax in my dispute as my information did not match their records. If Equifax had no record of me, how I was able to successfully log on to their site and begin the process of disputing the reporting? I would like this error to be corrected and be given access to my report so that I can dispute the inaccurate information. I even tried to access my Free Annual Report so that I could obtain a confirmation number ( much like the report numbers you get from XXXX ) and use that number to launch my dispute but was instructed to MAIL in a copy of my license and Social Security Card in order to validate my identity. It is insane that I would be expected to mail or fax any documents to Equifax after already having validated my identity and being allowed to start the dispute process. 

There were XXXX accounts listed that were not mine and XXXX account that could not belong to me as I have not opened any new credit accounts this year. I have attached the incorrect information as it appears on my report made available to me by XXXX. ( Even though, I am unable to dispute this information VIA XXXX as they redirect me to Equifax 's website which refuses to acknowledge that I exist. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express offers XXXX miles for referring a friend to apply for a credit card. I referred 2 people, XXXX XXXX XXXX, XXXX, WI ( now XXXX, WI ) and XXXX/XXXX  XXXX, XXXX, WI who both got their cards in XXXX. The miles are supposed to be credited in 6-8 weeks. It has now been more than 13 weeks.. When I told them about it, they wanted 6-8 weeks more to resolve it and also suggested that the people may not have applied through the appropriate link when I KNOW that they did becuase I was right there when they did it. So I know they did it correctly. In one case, they may have been directed that they had to call in. But they started out through the required link. This is looking like a scam. I request the XXXX miles be credited ASAP. I also referred another friend, XXXX/XXXX  XXXX and I don't want issues with those miles not being credited timely either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint Target XXXX XXXX XXXX  : Creditor : TD BANK XXXX, XXXX. C/O XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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  WAS LAST UPDATED XX/XX/XXXX. XXXX XXXX  SHOULD BE UPDATED TO PRESENT 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 2016-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 
Although I have disputed " this '' item at least 4 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX XXXX - Account XXXX 1. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( 2008 ) XXXX. The Tradeline has an Activity Desinator of N/A, and can not - as it is closed and has been closed since 2008, Please update this account to PAID/COSED XXXX. This account then, lacks it pay history for the duration of time in which it was open, AND IS INCOMPLETE. Please publish the Tradelines full payhistory. 
XXXX. This Tradeline then lacks its balance history for the duration of time in which it was open, AND IS INCOMPLETE - Please publish the tradelines full Blanace History 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed - the account was not open for 73 months - that value was generate - is generated by your system using the Open date and that Activity Designator that has been wrong for over 8 years. Please fix the actual duration of this tradeline. 
Although this is my oldest tradeline, and because it remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 finish 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 XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # 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 2020-10-08
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint, with supporting documentation, through the United States Postal Service XXXX XXXX XXXX in XX/XX/2020. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. My phone # is XXXX XXXX XXXX XXXX. Email address is XXXX I have received several XXXX responses, from Consumer Financial Protection Bureau ( CFPB ) with the latest one dated XX/XX/2020. It stated that I could call XXXX XXXX XXXX XXXX and get information about my complaint. I phoned on XX/XX/2020 as soon as I received the letter but was unable to get any information. 

Since then I have sent two ( 2 ) letters requesting information to no avail. The XXXX ID # is XXXX. It is regarding Nationstar Mortgage XXXX XXXX Mr. Cooper mortgage servicer. They have filed a foreclosure action with the courts so time is of the essence to avoid losing my home. 

It is extremely important that I receive a copy of the company 's feedback as soon as possible so that I may be able to review it and respond with feedback within the sixty ( 60 ) day allowed. 

PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home in  XXXX  in cash for {$14000.00} and then refinanced the same year through  XXXX   XXXX   XXXX  for {$30.00}. I was involved in a car accident in  XXXX . This caused me to fall behind in my payments. I still tried to make the mortgage payments but  XXXX   XXXX   XXXX  began to stop taking my payments. A short time late r Ocwen Loan Servicing introduce themselves as the new Leander that was taking over the loan. I began  to work with them in regards to getting an affordable modification. They modified the loan but the payments were not affordable for me. I tried to continue to work with the bank in getting payments i could afford so that I could keep my home. But to this day no resolution had been reached. Currently I had been notified that there is a Foreclosure day set for  XXXX / XXXX / XXXX . Also at the same time Ocwen notified me that they owed me {$1100.00}. The check was also enclosed with the letter. This settlement was given to all borrowers that they tried to foreclose on between  XXXX   XXXX   XXXX   XXXX ,  XXXX  and did not follow through with there actions. At this point I do n't want to loose my home behind unwillingness from this bank to assist in helping me to obtain a affordable modification. I would appreciate any help or assistance your institute can offer.

Company response to consumer: Closed with explanation