BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NC
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:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account XXXX XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX 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 2020-03-18
Company: ID Analytics, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently leased a XXXX XXXX from XXXX XXXX in XXXX NH. ( XXXX XXXX XXXX ) The dealership did a hard pull of my credit. That was fine, then before I selected a vehicle they did another hard pull of my credit through XXXX XXXX. XXXX  uses an agency called " SageStream LLC '' ( XXXX XXXX XXXX ). SageStream reported a score of XXXX. The dealership than went to XXXX XXXX XXXX and through XXXX my score was XXXX. I have my truck and I'm happy with it. 
However attempting to contact SageStream has been difficult. I used their online dispute form two months ago, nothing. I called their customer service number multiple times, and nobody ever answers. I left three detailed messages ; they claim to get back withing a day. That has not happened. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While I was behind on my mortgage payments, I applied to HAF. I notified my servicer, Rushmore, that I had applied to HAF and was trying to apply for modification. I submitted several applications for a modification because my loan was given to Rushmore by my old servicer XXXX XXXX who had not submitted my modification application. Therefore I had to start the application process again. Later I was told I had not submitted the application completely and had to reapply. I did inform Rushmore that I had been notified by HAP and provided them with my application ID number. 
Unfortunately, when HAF contacted me to provide assistance, Rushmore had placed my loan in foreclosure. I feel this was correctly done having informed them of my HAF status. Currently Im in the process of waiting for my modification approval and HAF can not help unless my loan is out of foreclosure. 
I dont know the reason I was placed in foreclosure since Rushmore was aware that I was working with HAF. I hope you will be able to assist as I believe this was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi from XX/XX/XXXX to XX/XX/XXXX I was making payments to Fedloan for {$330.00}. 

However, I was in XXXX school the year before and did not take in any income over {$10000.00}. My payment should have been {$0.00}. 


I remember calling Fedloan to resolve this a few times. Waiting hours sometimes to just get through to verify. They gave me incorrect information in the beginning of repayment and said I could not get my payments back. 

Now with the department of education correcting things, I want to advocate for my money back. My federal tax returns and payment history would show that I was mislead into making these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: IN
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 did a credit check on XX/XX//22. There is an credit account that I did not open. It is with XXXXXXXX XXXX XXXX XXXX. I contacted experian and they reported to make a report with you guys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax refuses to remove a collection item from my credit report. I have proven multiple times that their reporting is false. Neither XXXX, or XXXX XXXX report the same. 

Equifax shows a collection company called XXXX is owed {$190.00} for an unpaid bill to XXXX. I provided copies of the invoice from XXXX and the check used to pay that invoice. It was check number XXXX and cashed back in XXXX of XXXX by XXXX. A simple call to XXXX/XXXX  representatives will prove that I am telling the truth and that my account has been in good standing forever. The account number and related invoice is XXXX XXXX XXXX XXXX. Look at the billing date of XX/XX/XXXX that shows the past due of {$190.00} XXXX in Dispute ), and current charges of {$300.00}. I paid both at the same time with a check totaling {$490.00}. Somehow, XXXX submitted me to collections and XXXX  for the {$190.00}. 

I contacted XXXX and they admit their error, XXXX who ignores me, and Equifax who ignores me. Please look into this as it adversely and falsely affects my credit scores. 

I can be reached at XXXX, or by e-mail XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On Wednesday,  XXXX   XXXX , I received a letter from   XXXX    XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from Experian about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list   XXXX   so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

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 2016-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I learned of an inaccurate account when I checked my credit report. I called Equifax to ask about it, they directed me to the data furnisher, " XXXX XXXX XXXX XXXX ''. I contacted them by mail ( see attached letter ), and asked them to provide me with further documentation, per Section 623 ( a ) of the FRCA. They failed to respond in any way. I received no letter, nothing. It 's now been 2 months. I disputed the item with Equifax but they have not removed the account from my credit report. They are supposed to do so within five days of learning that there is an erroneous, unverified account. Please help me to get them to do what they are required, by law, to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT IS AN INFRINGEMENT UPON MY RIGHT TO PRIVACY AND HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT WITHOUT THE WRITTEN INSTRUCTIONS OF THE ALLEGED CONSUMER PER 15 USC 1681b ( a ) ( 2 ). THIS IS ALLEGED IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED.

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 2022-03-27
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. AS A INNOCENT VICTIM OF IDENTITY THEFT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( AD Astra Recovery Service ) for committing identity theft. I have never given ( AD Astra Recovery Service ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( AD Astra Recovery Service ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( AD Astra Recovery Service ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( AD Astra Recovery Services ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( AD Astra Recovery Service ) continues its collection efforts, I will file for litigation for actual damages caused and ( AD Astra Recovery Service ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to file online with Transunion but their system would not allow me to enter my complaint issue. I sent a letter but have not heard back. There is an entry for a XXXX charge that we notified Transunion was incorrect back in 2012. It is still on my credit report. XXXX represents XXXX XXXX insurance. We have not had this insurance according to our agent, and according to our local agent all our insurance is paid and paid timely. This XXXX item on my credit report resulted in our local bank going up XXXX percentage points for the interest rate on a personal loan.

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 2016-10-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
I sent XXXX XXXX XXXX a certified letter on XX/XX/2016 and requested proof that the debt and the account was mine ( signature, etc. per law ) I received a response saying that could not provide proof, as the account was opened online and that they would not be responding to anymore inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There are several inquiries on my credit report that needs to be removed.

Company response to consumer: Closed with non-monetary relief