BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Mortgage Help/complaint When Covid lockdown started I liked everyone else was out of work and needed mortgage help. I applied for a deferment for my loan with my company PHH and asked that 6 months be placed at the back of my loan because I would be out of work due to quarantine. My lender said no problem sent me the forms out, telling me the spots Id need to fill out. I did as directed on the phone, submitted the paperwork and was told Id have a Phone appointment with a supervisor to process my request. 

That next phone appointment I was told via the my paper work was missing a date, and that Id need to resubmit all of the paperwork and then get another Phone appointment, i asked for a supervisor, explained I just needed the 6 mo of reliefs and that I was soon heading back to work. They still made me resubmit the paperwork for a date. At that time I also tried to make a full mortgage payment, when they told me would be accepted. A week later it was returned to my bank. 

I refilled out the paperwork out, made sure all the dates had been filled in, and waited for another Phone appointment to get the deferment applied to my account. At that next phone appointment I was told I missed the XXXX  in my middle name and that I would need to resubmit the paper work, at that time I explained Its now 6 months, Im heading back to work and that I didnt need more time I just needed that 6 months moved to the back of my loan, and My ability to make payments reinstated. I was told they wouldnt be able to take any payment with out the deferment being processed and that Id now need to apply for another 6 month extension because I didnt finish the paper work as expected. 

I asked for a supervisor, was told that they didnt have one. Was told Id need to redo the paper work, at that time I sat in the phone for an hour with the process person, filling out each area with this person on the phone with me. At that time I was set up with another phone appointment promised that this time it would all be handled, that my paperwork was complete. They ended up saying that I had missed my social security number In the paperwork which was clearly filled out In the paperwork I had in my hand. 

At that time they started booking phone appointments for weekends and not even calling at the appointment time, but emailing me to say I had missed it when I hadnt, i again tried to make a mortgage payment and had it again returned. After dozens of meaningless/ waste of time appointments im over it and need to fix this asap.. they're obviously delaying this whole process on purpose so that I can loose my house.. please help.. thanks in advance XXXX XXXX XXXX XXXX PHH MORTGAGE My Email XXXX My address XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that this account was erroneous. The Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX, 2021 I don't have any knowledge of this account and it remains 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 explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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

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 2023-07-07
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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 received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries 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 non-monetary relief
Consumer complaint received 2020-02-17
Company: Allgate Financial, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
JH PORTFOLIO DEBT EQUITY has been reporting derogatory remarks to the three credit bureaus for about four years. While this is apparently an old disputed debt from XXXX, I was never notified by JH PORTFOLIO DEBT EQUITY nor have I ever sign a contract with them regarding the dispute with XXXX. XXXX would call harassing me and calling me names when I lost my job and became sick. As many times as I begged over the phone and in writing, I was refused the right to a payment plan which was guaranteed by federal law. When I disputed the bill thru the FTC, XXXX removed the derogatory remarks from my credit history. However, the derogatory remarks started appearing under JH PORTFOLIO DEBT EQUITY. 

Under the Fair Credit Reporting Act, is it legal for a creditor to refuse to work with a person who falls due to indigent circumstances? Is it legal for a Debt Collection entity to assume reporting of derogatory remarks while never notifying the debtor of the alleged debt? Is it legal for for a Debt Collection entity to fail to follow requirements of the Fair Credit Reporting Act by notifying the debtor? 

What is the protection for debtors who fall prey to Debt Collection entities such as JH PORTFOLIO DEBT EQUITY who collaborate with creditors who have already violated the Fair Credit Reporting Act to continue ruin someone's credit after eight years?

I have continued to dispute this with the Credit Reporting Agencies. However, they continue to update as a valid date. How can the credit reporting agencies take the side of the creditor when there is a he said-she said scenerio?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 I disputed this with XXXX  requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
TransUnion is in violation and reporting inaccurate and inconsistent information. According to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have not reported the account as disputed and also have the payment history not updated evidence provided below for the account XXXX XXXX XXXX XXXX. XXXX reports payment history up to XXXX while Transunion stops at 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 2021-09-27
Company: LEXISNEXIS
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 LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-26
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: Information belongs to someone else

Complaint:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do. 
The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or 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 explanation
Consumer complaint received 2021-09-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My Auto Loan was with Kia Motors Finance company Acct # XXXX Original Loan Amount {$19000.00} Paid Off on XXXXXX/XX/2021.Vin # XXXX On XXXX, XXXX I Contacted the company about the Title. I was sent a Letter Reflecting that the Balance was paid in Full.. I was advised that Due to the Virus it would take longer to get the Title.. Once again I contact the Company XXXX XX/XX/2021 about the Title.. This time they Informed me that the Title was Sent..I Explained that I NEVER received the Title... .I Ask when was IT SENT AND where!!! The Employee stated that it was Sent to my Home back in XXXX I then Ask why wasn't the company Aware of that back in XXXX, and that I had been Calling for Months.XXXX On XXXXXX/XX/XXXX I received a letter..The letter states as following : Please accept this letter as Verification that Kia Motors Finance No longer has a Interest in one.XXXX XXXX XXXX XXXX Model : XXXX! XXXX This Kia Motors company has been given me the Run around for Months!!! Where is My Auto Title??? The company has Acknowledged that I OWN the Auto.. We shouldn't have to Track/Pay for a New Title.. Please Assist me with this Matter..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Account status incorrect

Complaint:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but transunion and XXXX have not.

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