BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse XXXX XXXX, All Natural Inalienable Rights Reserved Delete the following inquiries from my TransUnion consumer report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.

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: IL
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 XXXX 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.

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 2022-12-01
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Completed a mortgage refi with current lender. After closing lender called asking for updated loss payee 1 additional day due to loss payee effective date was 1 day after closing. Lender did not contact insurance agent. Agent was called and updated requested. Lender force placed coverage for 1 day at {$5.00} and did not issue credit. the insurance was always in effect with no claims or losses and error was lenders. Lender has now modified payment to recover coverage. 

Insurance has been in pace for 10 years with the same coverage. Double coverage is abuse of the consumer and basic common sense would dictate that obtaining coverage for a lender error to cover nothing is predatory. I insist the {$5.00} be credited and adjustments made

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: LoanCare, LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mortgage company put me in foreclosure while waiting on my loan modification

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 2022-12-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous lender sold my mortgage to Rushmore and I have never felt so threatened by a mortgage servicer in my life. It is constant harassment about my payment even during grace periods. When I try to pay online they make me call my payment in. Problem is I am stuck on hold for over an hour. I work a lot and their business hours seem to change. I will call and they will be closed or keep me on hold til they close. One month I was late because they closed early??? Why cant I pay online? Its almost like they are doing it on purpose. Also my previous lender adjusted my escrow for next year prior to them transferring it. Rushmore adjusted it again for the same year so now my payment is going up another {$250.00}. I tried to get an explanation but the rep was zero help and incredibly rude. I hate dealing with this company. It creates constant stress and I feel like they are using predatory practices. I have to watch my statements every month, my credit report, and now they are sending me certified mail. Im never home to receive it so I get these dreaded notices. Its panic inducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Bank ( U.S.A. ) N.A you broke the law according to the FDIC. 
This notice of mine has been written XX/XX/2022, and is being submitted as dated XX/XX/2022. 

Capital One Bank ( U.S.A. ) N.A agreement violates my consumer rights and I refuse to liable to perform and the demanding the reflecting balance on the account the same be credited to the account, failing to comply will be a breach of fiduciary duty. Capital One Bank ( U.S.A. ) Bank N.A must perform on it's obligation and " promised '' offer according to the FDIC ( See attachments in accordance of the Rule ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit report on XXXX XX/XX/XXXX. I noticed two inquiries with a debt collection from XXXX XXXX XXXX one account that was for an amount of {$370.00} that was opened on XX/XX/XXXX. The other account was for an amount of {$680.00} that was opened on XX/XX/XXXX. I don't owe this company any debt

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 2022-09-21
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. 
Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. 
AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the following accounts have violated my rights : XXXX XXXX XXXXe Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX. 

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.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 never given written instructions to add anything on my credit 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want paper statements. Since starting this mortgage, I have called 3 times requesting monthly statement. They said in their system that they are sending me paper statements, but I have not received a paper statement. 
I called in XXXX of XXXX, XXXX of XXXX and today, XX/XX/XXXX. They continue to say I am set up for mailed statements, and I have not received one statement in the mail, except when I call and they send me back statements. 
They have records of my three calls, and each time they send me the back statements that I did not receive, but the system never sends statements. 
I want paper statements, I have always wanted paper statements, and I want them to fix the problem, recognize it is an issue, and correct the coding or whatever is causing the issue that I am not receiving the statements. 

This is a mortgage with my son, XXXX XXXX. The property address shows on the statement. Their system shows statements should be sent to my address : XXXX XXXX XXXX, XXXX VA XXXX. They have confirmed each time that their system shows to send the statements to XXXX XXXX. Neither address receives the statement. The statement should be mailed to XXXX XXXX XXXX, and that is what they have in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CFPB + TransUnion, In my XX/XX/2022 credit report I noticed a wrong name and/or name variation- please have this corrected asap. 

attached to this are : - my drivers license - my social security card - my address- my complaint - screen shot of where it is located Please remove all incorrect name and/or variations as soon as possible.

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 2022-09-21
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to dispute this off my credit report with the collections agency because i never consented in my medical information being released to them by XXXX XXXX and its negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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 is missing that should be on the report

Complaint:
The following positive information is missing from my Equifax credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent a letter to the following credit agencies, Experian, XXXX and XXXX to file a dispute regarding a direct violation of U.S. Code 6801 ( a ) ( b ) of reporting inaccurate and nonpublic personal information as public information which is a breach of my security and confidentiality rights. They failed to verify the accuracy and validity of multiple accounts that was reported on my consumer report. As a result, I am in distress because I was recently denied credit because of their flagrant neglect and violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: FC HoldCo LLC
State: AZ
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:
I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to Transunion via mail and phone in the last month to dispute a charge off deposit account that is reporting on my credit file. The account is from a credit union And is reporting false payment history. I do not have a charge off account with XXXX. They have confirmed this on the phone and have provided me with a letter that I will attach to this complaint. The credit union states that they are not reporting any such account and that it should not be on my credit file. I provided Transunion with this letter and they have refused to do a proper investigation. If they would have reached out to the credit union the information that I am giving now would have been confirmed and the item would have been deleted. Transunion is negatively impacting my credit score by reporting inaccurate information. This account is being reported as a charge of and subsequent payment in XXXX and XXXX of 2022 to the credit union as well which is also false and never happened. It can be confirmed by the credit union.

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 2022-07-28
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was {$100.00} by someone trying to buy a laptop through Zelle. I didn't receive those funds. An email was sent from zelle saying I couldn't collect the full amount because I didn't have a business account. The buyer sent an extra {$100.00} and an email from Zelle was sent to me saying that I had received it and that I needed to refund the extra money. Zelle, in the email, said the money was on hold and no one was losing a dime on the transaction. I unsuccessfully sent the refund payment. Zelle sent a declined email and asked me to send it again with a screenshot. I did so. I never received any of the payments and I'm missing {$200.00} from my bank account. Zelle told me to contact my bank and XXXX told me there wasn't anything they could do but be more careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

3. 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 XXXX XXXX Account Number : XXXX, 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 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 2020-10-09
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Hello, I had signed up for credit repair services with Lexington Law in XXXX and continued in XXXX, however, their results were not very successful and I had paid quite a bit of money from the time they started charging me till I terminated the service in XXXX. 

Today, my credit report is nowhere any better than what it was 2 or 3 years ago and their effort did not translate into any success and was very slow to remove any discrepancies and inaccuracies on my credit report. In fact, I have to engage a new service provider as they have to now clean up the mistakes and find areas that Lexintong Law neglected. Their approach is to keep the customer signed up for a long time, but acting on negative items one bureau at a time so it takes longer to clean up the report, and the customer continues to pay monthly service fee..It is one thing to keep paying the fees as long as the results are there to show, but this company did marginal work and charged very high fees to what I can pay now someone else for doing the same amount of work.. 

I am very disappointed that they are able to get away with this type of practice for sub-marginal work and consumers do not know any better and are looped into their approach. I believe there was a class-action lawsuit against them for unfair business practices and gouging people with high prices.

Company response to consumer: Closed with explanation