BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. Thanks

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 2022-08-15
Company: C/C Financial
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:
I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did XXXXThey have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-20
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 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 2023-05-07
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When the company calls they call from different numbers an I told them I dont know anything about this bill they tell me I owe an they keep sends me bills an call my phone I had change my number because they call so much some days I felt like I was there full time job call me at XXXX XXXX XXXX XXXX to almost XXXX XXXX XXXX then why Im on the phone I hear people in back ground one time I though I heard a kid crying they tell me that they can take my car an get money out my bank account an that my credit going stay mess up I never be able To own anything I need to pay this amount in full today if I cant pay full I need to put something down on this bill today an I check my credit report it says it open this year but I have open anything this year I got scared that I put freeze on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Transform Credit Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Transform Credit INC XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2022 ( XXXX ) XXXX The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital One Auto accessed my credit card information for a " pre-approved '' auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern ; My mortgage was recently sold to a mortgage servicing company, named Gregory Funding, LLC ( gregoryfunding.com/contact ).

I found out that my loan had been sold when I tried to make a payment a couple of months ago. I was given no information about Gregory Funding, with the exception of a phone number. 

I had no information until a few weeks ago, when I received a certified letter telling me that I owe then nearly $ XXXX, by XXXX XXXX, 2021. I have created an account, using the loan number on the certified document, After logging into my account it tells me how much I owe and when it is due. However, despite both their contact page and hold greeting saying that I can, " make a payment online, 24 hours per day '' I am unable to make the payment, as my account says that the payment feature is disabled for my account.

I also attempted to call to make the payment but, as always, I sit on hold for over an hour.

Since then I have attempted to communicate with them the following ways : - Multiple phone calls to their customer service phone ( XXXX  ) XXXX, which for the first two months went to a busy signal. Since then I call and sit on hold for at least an hour until the phone call drops. 

- Sent multiple emails, using their contact form, requesting them to contact me. I have received no response either vis email or via phone, from Gregory Funding. 

- Sent a fax ( XXXX ) XXXX requesting to be contacted, for which I received confirmation it was sent. 

It is beginning to seem like they don't actually want me to make a payment because they have created multiple barriers, which prevent me from doing so. 

I am not sure what else I can do and really need assistance with this. All I know is without speaking to someone, especially the way this company operates, I am not going to mail this large of a check in their name and hope they receive it and process it. 

Thank you for any assistance you are able to provide. 

regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, our home mortgage was sold to a service provider named SPS ( Select Portfolio Servicing ). On XX/XX/XXXX, we sent the company notification via phone, fax and upload to their website that we elected to pay property taxes directly to the municipality. We did not give consent for SPS to escrow in anticipation of the next quarterly tax payment that is due on XX/XX/XXXX. 

In response to our call, fax and uploaded document, we received verbal ( recorded ) acknowledgment by a representative named XXXX XXXX on XX/XX/XXXX at XXXX that SPS would NOT escrow our taxes. However, SPS sent out payment for taxes to our municipality at some point prior to our conversation with SPS representative named XXXX on XX/XX/XXXX at XXXX. The due date for taxes is XX/XX/XXXX. We spoke with XXXX and she confirmed that a payment in fact had been made without our consent ( recorded ). She suggested that we go to the municipality and ask them to reject the payment ( which put the responsibility on us to correct an error made by SPS ). She also told us that we could " just pay them ( SPS ) back '' ( recorded ) to correct the error. 

We are filing an official complaint and want restorative action taken to correct this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX or XXXX or so, I just realized that my XXXX CDs duplicated. Ther reason beoing the email keep XXXX up for me to transfer the money. Right after realizing the duplicate account I called and emailed PenFed. I got a replied that they will process in 2-3 business days. I emailed again after 11 days passed, they sent me a reply to send a proof from my XXXX XXXX XXXX  that Penfed withdrew my money XXXX XXXX. It is weird since in my PenFed account it shows the duplicate CD account with $ XXXX each. 

I sent four attachments did not work out. I sent another two and they promised that they will take care of it ASAP and asked me to call 3-4 hours after on Tuesday, XX/XX/XXXX. I called, now they asked me to send a formal letter requesting my XXXX the duplicate deposit with my signatures??? 

I repeatedly told them that I am underwater, I am just a teacher that got paid once a month, that I have had an insuffficient notice from the credit card I paid to, and I need a positive cash flow RIGHT NOW to financially survived. It is frustrating and need a big help from a small people int he society. 

Thanks!

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 2023-06-14
Company: EQUIFAX, INC.
State: FL
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 3 occasions since XX/XX/2023 I have disputed 2 fraudulent hard inquires on my Equifax credit report, they have failed to remove the fraudulent inquires. These inquires are a result of identify theft and Equifax is the only company refusing to properly follow the law and remove the inquires in question as they were not authorized or initiated by me. A identity theft report has been filed with the FTC already along with freezes and a fraud alert on my report. Attached is a copy of the FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
This issue deals with a recent large drop in my Experian report that I didn't think made sense, but any attempt to reach out to them to get my questions answered were responded with non-answers and phrases like " credit scores are calculated using data in your credit reports ''. 

On XXXX, XXXX I had a credit score of XXXX. I missed a student loan payments, mostly because of the student loan forgiveness stuff that was going on. Regardless of the reason on XX/XX/XXXX, it dropped to XXXX, then XXXX on XX/XX/XXXX, then at it's lowest XXXX XX/XX/XXXX. My student loan company called me, I paid the debt in full that month. That one missed payment in XXXX dropped my score XXXX points in 40 days. I had been at a very good or exceptional score for 5 years, one missed payment dropped my credit score 34 % [ the math XXXX ( XXXX ) ]. That doesn't seem fair. I paid off everything and my score only increased XXXX points to XXXX and its stayed there since. 

Experian shows how different " ingredients '' are used to determine a credit score. I took my current ratings ( excellent, very good, fair ) for each category and used the lowest score for each rank, and ran a weighted average ( see the attached email ), using the numbers they provided, I got a score of XXXX, so either the information they provide. I just want some transparency in how the scores are calculated, and Experian refuses to explain the discrepancy between their numbers and my math.

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 2023-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently opened an account with XXXX XXXX a XXXX  years ago. The company is committing fraud against the consumer with every purchase. Can you look into the account I have with them and help me retrieve any money from the purchases I payed for with my account. Thanks

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 2017-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Complaint Number  XXXX , was closed  XXXX   XXXX ,  2017 without contacting me. It needs to be re-opened fo r further research by  XXXX   XXXX   XXXX , there was a death in my family, & I did not have the time to respond. I 'd like the CFPB &  XXXX   XXXX     XXXX   XXXX   to investigate unlawful business practices at WFDS.  XXXX   XXXX  needs to be provided with correct information to conclude his research, which in part is provided belo w. Today   XXXX   XXXX  is the first time I am reading the agreement, that was forged with my signiture electronically.. The information  XXXX   XXXX  provided me with in his letter is false e. WFDS ha d my addres & the ability to contact me. They state they were unable to contact me, yet they were illegally able to track me down, and take my car  XXXX   XXXX ,  2017  on a Friday purposely because they are closed for the weekend. I 'd also like for the  FBI, SEC  and other agencys in   XXXX  Florida/NY  to investigate the mass ive cyber  breaches that have accurred at every singl le Wells Fargo Branch from NY to FL, that caused  me signifigant harm.. Please see attached documents.

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 2017-05-07
Company: BARCLAYS BANK DELAWARE
State: NH
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:
Barclays bank has made excessive hard inquiries on my report which has had significant negative impact on my credit scores. I have repeatedly mentioned this to Barclay to no effect.On the Barclay site when you request a credit increase there is no indicator that a hard inquiry will be made at the time. I have attached a screen print of the hard inquiries showing on my credit report at   XXXX   XXXX   as of   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a participant in the LA XXXX XXXX XXXX as a result of a hospitization I experienced during the XXXX pandemic. The State of Louisiana 's program paid my mortgage current and has made payments for 6 additional monthly payments. However, PHH Mortgage is ALWAYS slow in posting the payments. Once, the funds were sitting in a suspense account while agents told me no payment had been received from the state program. After waiting several weeks to speak with my PHH Relationship Manager they explained that the payment of {$790.00} was sitting in a suspense account and I needed to pay the remainder of that monthly payment ( approx {$100.00} ) before any of the state 's payment of {$790.00} would be posted to my account. The payment was late as a result of PHH 's failure to provide me with accurate information initially. They waives the late fee, however I am unaware if any late reporting was made to my credit bureau file for that XX/XX/XXXX payment. Here again I am being told on XX/XX/XXXX that PHH has not received payments from the state of Lousiiana HAF ( LA XXXX XXXX XXXX ) for XXXX or XX/XX/XXXX. The state has confirmed that payments were sent over 30 days ago. PHH will not process a partial payment for my portion {$100.00} and have scheduled a call for me to speak with my Relationship Manager over 3 weeks from now on XX/XX/XXXX stating that is the earliest appointment time that they have available. Why aren't payments that the state of Lousiana sent to them on XX/XX/XXXX and XX/XX/XXXX still not posted on my account?

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 2022-03-25
Company: Duvera Billing Services, LLC
State: VA
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:
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXXXXXX XXXX XXXX XXXX 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, XXXX  school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia XXXX XXXX interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation