BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time. 

As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made 2 payments for a total of {$3100.00} via Zelle from my XXXX bank account. The payments were made to fraudulent individuals for rent for an Apartment that did not exist. Zelle and our bank XXXX offer no assistance in tracking down the internet scammers. I have also filed fraud reports with my local police department, Zelle, the FTC and the FBI internet crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXXXXXX 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 2022-06-15
Company: EQUIFAX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
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:
There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information is the result of identity theft and should remove it from 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 explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.

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 2017-09-12
Company: EQUIFAX, INC.
State: RI
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent

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 2022-06-15
Company: BlockFi Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I requested two withdrawals, one for XXXX XXXX, and the other for XXXX XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account to two of my linked checking accounts. Per email/social media customer support these withdrawals should've been processed by today XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released to me, which is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, 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:
XX/XX/XXXX OCCURRENCE DATE XXXX XXXX  XXXX/XXXX  XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT, AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS FALSE AS THE ACCOUNT FIRST MAJOR DELINQUENCY WAS XX/XX/XXXX STATUS SHOULD READ PAID CHARGED OFF THE 81-PAYMENT HISTORY IS INCORRECT IS IN NOT COMPLETE AS IT FAILS TO STATE FOR YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. XXXX XXXX  XXXX/ XXXX STATES ACCOUNT WAS PAID BEFORE CHARGE OFF. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE MAJOR DELINQUENCY WAS ON XX/XX/XXXX AND PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT AS THE STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT AS IT STATES CHARGE OFF ON XX/XX/XXXX. BUT THE ACCOUNT WAS PAID RECEIPT IN XX/XX/XXXX. THREE MONTHS BEFORE CHARGE OFF DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a CARE CREDIT CARD, it offers promotional purchase ( EX. 12 or 18 months no interest if paid in full by expiration date ) So when I make a Promotional Purchase : example on XX/XX/2021 for XXXX and then another on XX/XX/2021 for XXXX and yet another in XX/XX/2021, all of these promotional purchase will expire 12 months from the original charge date which I understand but the problem is when I make my payments the Credit Card company does not apply my payments to the promotion ending the soonest, they apply them every where else, then they charge me 26.99 % interest because they say the promotional purchase was not paid off, but I did pay the balance off they just didn't apply the payment correctly. 
They don't give the consumer an option where to apply the payment, I am sure I am not the only person having this problem. 
This is not good practice. 
I have called every month since opening this credit card and it is not being addressed. 
Please Help the consumer...

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 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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 has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Automobile Acceptance is attempting to collect a debt that is outside of the Statute of Limitations in violation of FCRA & FDCPA the derogatory remarks have hindered me from obtaining lines of credit and a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 
6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX 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 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 2022-06-15
Company: NAVY FEDERAL CREDIT UNION
State: MI
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 contacted the companies and I have contacted XXXX, XXXX  and XXXX and it was taking off and put back on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have made arrangements with GC Services to repay my tax debt and have been making my regular monthly payments as agreed. 

GC Services continues to call and harass me monthly about setting up a plan to repay the debt. I have already done this! The most recent call was today, Monday, XX/XX/2022 at XXXX XXXX  XXXX. XXXX XXXX is the person who called on this date. 

They also called me on Wednesday, XX/XX/2022 at XXXXXXXX XXXX  XXXX. I believe XXXX contacted me on this date as well. 

I am very busy, I work from home and I am very tired of being harassed by a company I have already agreed to pay and make payment to. 

Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: USA Cash Services Management, Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX  Account. My mail had also been intercepted by the perpetrators for over XXXX years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: WI
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 multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation