BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: FIRST ADVANTAGE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On Wednesday XX/XX/XXXX the included background check result was emailed to me by XXXX XXXX, whom is a First Advantage Customer Care Representative - SR # - XXXX. On the 6th page of the attached report, the " Score Result '' is listed as Decisional. Meaning, XXXX 's XXXX XXXX was deemed responsible to make a decision of if I am eligible for hire at the XXXX, Georgia XXXX Fulfillment Center located at XXXX XXXX XXXX XXXX. After speaking with numerous amounts of customer care representatives both at XXXX and First Advantage, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I recently got out of an XXXX relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-05-29
Company: Payfare International Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My payfare XXXX XXXX XXXX through XXXX XXXX  stopped working... .I called them from a gas station where my card would not work at the pump ... in the store... or at the atm... .I called XXXX XXXX..they verify it's me... they transfer the call to XXXX XXXX... on hol 45 minutes ... they hang uo ... .multiple times ... .I know they get my calls because they send me emails... XXXX... to be exact... I've responded to them all ... still card does not work ... .I was left stranded over Nighy ywo nights two days because I could not even put in gas ... ..this has happened multiple times..once in XXXX and it took 30 days to get it fixed and I lost my apartment because of it ... I hadd to move ... because I could not access my money ... ..they fixed it ... 3 months later they screwed it up again same thing... so ... this is the third time this card has put my life at risk sleeping in my car at a gas station because this card doesn't work ... .a police officer came to help me... I called to see of I should file a complaint ... he told me about you. Gave me the info and he even pulled XXXX dollars of his personal money put to help me after reading the emails and seeing the calls... I even called XXXX while officer was there he heard the whole conversation and said I need to make a complaint ... .it 's violating me in XXXX different ways in regards to federal law ... I feel like I've been discriminated against I feel like I've been robbed... abandoned ... and they did nothing knowing my XXXX  needed me..I jad to pay XXXX extra to my baby sitter because of getting left at the gas station all night ... ..that was last week ...... well... today it happens again ... card doesn't work... I jave money I earned and they will not give it to me after o er XXXX  emails and XXXX  phone calls ... ..they basically used my car my gas putting my life at risk and took my money and refused to help me by fixing my card ... ..it has to be a refusal because they could've fixed this day one... .the refused..or didnt ... either way it has cost me alot and all because they don't have customer service at all ... .I want my money..I want to sue them in federal court for my money plus the expenses and trauma it has cost my family... this is absolutely horrible situation nobody should have to go througb ... I work hard ... ..this is not fair. It XXXX XXXX XXXX XXXX XXXX to know people will use me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: BARCLAYS BANK DELAWARE
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the  information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2018-10-05
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NC
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:
According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in XXXX mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.

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 2023-03-06
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$520.00} - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2022-03-10
Company: Acra Intermediate Holdings, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process with XXXX XXXX around XX/XX/2022 working with XXXX XXXX. I had all of the initial paperwork submitted by XX/XX/XXXX. The process dragged on for almost 2 months due to internal operational issues to only be denied at the end. The frustrating aspect is that denial will likely be for something I communicated specifically about to the lender Day 1. The exact reason for denial has not been provided to me yet, the lender hit my credit report with 3 inquiries spread out which resulted in a ~XXXX point drop, and an appraisal was done which cost me {$750.00}. I was informed that currently the lender is denying everyone 's mortgages due to the company losing a ton of money when selling the bundled loans on the secondary market. In addition, I have not been provided with a copy of my mortgage application that was signed ( Even after a request ) nor I have I received a copy of the appraisal report which I requested. The net effect of this process is a XXXX point hit on my credit score, 2 months of wasted time, {$750.00}, and as a result of the time wasted ... higher interest rates which will result in potentially {$10000.00} or more in the difference on interest paid on a 30 year fixed loan product. It is very clear that this lender has no intention of actually pushing through mortgages which results in a XXXX poor user experience that results in wasted resources from top to bottom. The communication from the lender has also been painfully slow. I have called the lender over 120 times during this loan process to only have my calls picked up on about 6 or 7 total occasions. The rates communicated to me at the beginning of the process went up on me 3 separate times during the loan process since my initial conversation. It appears that once the agreement was signed to lock in the rate with the lender, the underwriting team is coming back and denying everyone application for any reason to shut down in additional losses coming through the pipeline. I would highly suggest everyone to not work with this lender in the future as they clearly have no desire to actually do mortgages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to officially file a grievance with PennyMac. I formerly submitted a request to PennyMac to transfer my property to my living trust. A revocable living trust is a legal estate planning tool that places my assetsinvestments, bank accounts, real estate, vehicles, etc. in a trust for my benefit during my lifetime. 

Upon my death, all assets held by my trust are distributed quickly and easily to my designated beneficiaries. One of the benefits of a trust is the sheer fact that any and all transactions involved, including distributions, are private both before and after my death. I have received two separate letters from PennyMac requesting 1. ) a complete copy of my trust, and 2. ) acknowledgement that I am the named beneficiary. 

I have responded to these requests by providing a copy of a Memorandum of Trust and, Certification of Trust. Both of these are legal documents prepared by my attorney and should more than satisfy PennyMacs request. At this juncture, I firmly believe PennyMacs request is both unreasonable and unjust. 

I have attempted to contact a representative on several occasions specific to this matter to no avail and am hereby officially submitting a formal grievance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-06-12
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: Personal information incorrect

Complaint:
I recently got out of an abusive relationship after living in a XXXX XXXX XXXX XXXX  for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Someone had possession of my card during the very end of XXXX and beginning of XXXX without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges, so as soon as I found out on my own I called them immediately. This was about two months ago ... They credited my account for all the fraudulent transactions that had taken place but then turned around and rebilled me for them. I was and am still infuriated ... 

I just received a letter in the mail today dated XX/XX/XXXX from Capital One, stating that after researching my case, they quote un-quote found " insufficient evidence of fraud '', because " information they discovered led them to believe that me or another account user benefited from the transactions. '' Lol. First of all, there is no other account user. There is no authorized user on the account, nor have I given anyone permission to use the account. Second, information they discovered?? What is this quote un-quote " information they discovered ''?? Of course they failed to mention that. But based on what they said following that statement, " led us to believe '', this apparent information they discovered did not prove that I used the card, nor that someone else had my permission to use it. 

Another thing they stated which proves they have no validation I used the card -- " you or another account user '' ... Sounds like they don't even know who used the card!! If they choose to investigate fraud, finding out specifically who used the card is supposed to be part of their investigation!! The fact there's even an 'or ' in their statement when referring to who used the card, proves they improperly investigated, or didn't even investigate at all!! 

Clearly Capital One has insufficient evidence of their argument that there was no fraud, and I am NOT responsible for the charges they rebilled me for. 
Therefore I refuse to pay for them. So they need to re-credit my account again or I will inform the credit bureaus of what's going on and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... 

Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases, and I consider this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Remex, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
REMEX INXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore REMEX INC ( Original Creditor : XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation