BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Alorica Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Their personal online banking hosting area of their website doesn't provide me with a rundown of my account statements. If they are not able to provide customers with account statements online, then they need to be mailing them to us on a monthly basis. I funded my personal loan through Earnest.com and SST is a third party provider that takes the payments. 

I've made phone calls in the past requesting they provide me with an account statement each month and that hasn't been fulfilled. I expressed to them that for some odd reason when I log into my online portal to access my account, it says that I don't have permissions to see my statements, which is odd. Their system looks archaic and I find it mind boggling that this provider doesn't have an adequate mechanism to provide customers with their account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
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 have closed referenced loan has been paid in full XX/XX/2021. From Rushmore Loan Management Services LLC. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted Rushmore to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The Rushmore Mortgage Company. I have all paperwork showing proof Discharge of Mortgage and signed Deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CO
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 submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: MONEY SOURCE, INC., THE
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bought my house in XXXX and never missed a payment until the covid crisis. Due to being layer off of my XXXX XXXX because of work being slow from covid. Last spring ( XXXX ) during the peak of covid, I asked for assistance from my lender but was declined. They only asked me XXXX questions to see if I qualify for the covid relief program. Now I am XXXX weeks from the sheriff sale and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-02
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
ALL 3 credit bureaus are reporting my payment history and balance due incorrect on my JP Morgan Chase account. I have requested verification but the incorrect information remains. Please remove negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: WorldRemit Corp.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XXXX and XXXX XXXX XXXX initiated on XX/XX/XXXX through the online app of World Remit XXXX XXXX via XXXX XXXX XXXX. The wire came from XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX  converted to XXXX USD to the account of XXXX and XXXX XXXX at XXXX XXXX  account XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX is XXXX. This XXXX XXXX account had been closed in XXXX. Wire transfer phone XXXX. Since XX/XX/XXXX both parties had tried to cancel the transaction XXXX, but the financial inst refused to speak to the receiver and refused to get all parties involved to communicate and resolve the problem. XXXX called the wires group at XXXX XXXX  at XXXX and was assured that once the monies came to XXXX XXXX they would reject the transaction and send the monies back to XXXX XXXX to XXXX and XXXX account. They recommended that the sender Recall the transaction and XXXX sent an email to World Remit explaining the issue and asking for an immediate recall and return of monies to original senders account. Both XXXX and XXXX contacted World Remit who continued to avoid both parties and refused any correspondence. Please help us get our moneys back as we are not rich and can not lose such a large sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-08-02
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I started being frauded on XX/XX/XXXX XXXX for XXXX at Best Buy in XXXX New Mexico. I was not aware of being frauded until I received a notification from XXXX XXXX  of a balance increase on my best buy card. So, I contacted customer service and found out there was 2 other transactions purchased at the same store in XXXX New Mexico. I informed them I live in XXXX Arizona, and I did not make these purchase. They said they were going to start a fraud investigation and I would not be responsible for this purchase. I received a letter stating they were permanently shutting down my account and I owed XXXX and turned me into the credit bureaus for 30 days no payments. I have contacted Best Buy and Citibank to correct this issue and they say it have been taken care of and it has not. I have been marked on my credit report to a 30 day no pay and closed my account for being a victim of fraud. I am asking for help to resolve this outstanding balance that I am not responsible for and to fix the credit reports they have marked negatively.

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 monetary relief
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX notified me on XX/XX/22 that a Bank of America credit card was opened in my name. I never applied for the account. I called BofA and they closed the account. Today I received a letter from BofA dated XX/XX/XXXX, saying that they are pleased to inform me that Ive been approved for a Bank of America credit card. I did not apply for this account either. How many times will I have to call BofA to close these fraudulently opened accounts?

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 2022-08-02
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-10-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX reporting closed & paid account as 30 day delinquent.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( 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 has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached XXXX XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2022-10-22
Company: Experian Information Solutions Inc.
State: MD
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:
Experian presented 2 separate company reports, 1 auto, 1 overdraft as a single loan and used this forged information to drop my credit score XXXX  points for use of an overdraft account with a {$600.00} limit, attaching it to a totally separate auto loan with a different company to make it seem that I was over using my credit at a rate of 102 % above its capacity when in fact the auto loan is 2/3 paid off. The overdraft bank has nothing to do with the the auto loan and failed to advise me that I would be charged {$2.00} for every {$100.00} of use it advanced me from the overdraft account. So it immediately sent the account over the limit of {$600.00} just for using the account. {$250.00} was paid a week later, and the rest paid off on XX/XX/22. So for using so called credit for less than a month am I not only manipulated out of money but my credit score was dropped XXXX  points almost over night. Beware of XXXX XXXX XXXX XXXX and their so called help.

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 2022-10-22
Company: EQUIFAX, 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 you have violated my rights. 
my rights. 
In the resent data breach my rights as a consumer have been violated. 

15 USC 1681 Section 602 States I have the right to privacy. 

You guy have violated this right and because so I need all negative items reporting on my credit report removed If this is not done Im will be forced to take further legal actions.

Company response to consumer: Closed with explanation