BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Currently I am on credit report monitoring because of a prior data leak from XXXX and others. Because of my current economic issues I do not use credit and have " locked '' my credit report from use! I have even went so far as actively delete all my social media profiles, accounts and the data they had. I regularly receive updates and notifications through Experian ; as part of a free service provided through the data breach. This week I received a regular notification and went to their website to check everything out. To my surprise they are now showing my prior criminal activities from my troubled youth ; Experian never showed any of this previously. I spent a long time working with these courts to expunge these records. I understood through online research, even though the courts may have actually purged these records, many online companies keep and fail to update and delete these records.

The problem is I am already suffering severe financial hardships through dealing with Florida 's workers compensation system. I believe Experian is fraudulently trying to extort money from me by coercing me to sign up to one of their " premium '' services to purge these companies on the internet with their " scan tool ''. I am at a loss as what to do! I want to hire an attorney but know that I can not afford that. I can contact Experian but they will only stop showing these records. I need these companies to delete this outdated information. I am already having difficulties obtaining gainful work as a result of my injuries, this will destroy me! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX,2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chase bank accepted false identity to open an account in my name I didn't open it authorize opening account a money wired was sent to me from my aunt she was executor of grandparents estate she wired {$20000.00} to me to this account she said she received the banking information via text from my phone I did NOT TEXT HER.in an investigation a deputy in XXXX XXXX XXXX XXXX located the woman who opened account and had a debit card in my name verified that she did this but concluded that this is a XXXX crime and I needed to report to my local police that this woman didn't commit a crime? The delays and mis information have put XXXX  months hold up in locating where my money went. {$16000.00} was drained when XXXX froze account. I have received XXXX  from chase who allowed this to happen they are not assisting me in any way only adding to delays for example sending me initial report documents in the woman who stole my identity document were addressed to her and her name as the victim. Understanding that time is important in resolving this I have had XXXX  months of phone calls not returned, nobody trying to help me or work on my behalf I am the victim I am a single parent this has caused me financial hardship and major stress. Nobody seems to care that {$20000.00} has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CREDIT WORLD SERVICES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report i notice that there was a reporting on my credit from Credit world service. I sent them a letter in regard to what they were reporting on XX/XX/2020 certified tracking XXXX XXXX XXXX XXXX XXXX. As of today this collection agency is still reporting on my credit report. i have no contract and dont recall signing any contract with this agency. They failed to provide me any viable evidence, bearing my signature, showing the account is being reported accurately. 
i also would like to know who claim to have " verified : without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. that is why not only i dont understand why they are reporting an account knowing i have no knowledge of doing any transactions with Credit world service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-07-10
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following company is affecting my credit : PENN CREDIT CORP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX/XXXX XXXX XXXX XXXX FL XXXX * ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX No phone # Date : XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX twice ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, or XXXX was hit twice Date XX/XX/XXXX XX/XX/XXXX should of only been hit once

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 2022-07-16
Company: GreenSky, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX REQUEST FOR INFORMATION TO ORIGINAL CREDITOR This is a notice of request information. 

Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures Date of First Delinquency I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 

Please forward all correspondence regarding this matter to the address stated above Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A non profit Alliance helped us to submit the Loan Modification Application to Rushmore Loan Management Services and our application was denied and all the given reasons were not correct or true. So I submitted a response to their letter of denial and pointed out the every 6 items of their reason were totally wrong. In addition the current mortgage statements are totally wrong also because it showed we are 3 months behind when in fact they acknowledged and accepted they received the mortgage payments except for XX/XX/2019 which I am investigating why I missed said loan payment. I am suspecting XXXX XXXX Staff were involved in this issue. 

From the foregoing it is apparent Rushmore is more focused and directed to foreclose the property since we received a lot of notices about the intent to foreclose the property. Most of the time we received two notices in a month. I complained above this issues but Rushmore just ignore my complaints though they told me that they will correct it. Todate the issues remained on the same condition. Even many emails were exchanged and many phones call made the situation remained the same. 

From the progress and development of the issues Rushmore is trying to established and justify their future actions that is to foreclose the property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My PenFed credit card was fraudulently charged {$2400.00}, on XX/XX/2022, without my knowledge, while I was visiting XXXX, XXXX. The charge was in the name of a XXXX XXXX XXXX XXXX, a person or organization unknown to me. 
Even though the change was XXXX times greater than I have ever made while visiting XXXX, PenFed security made no attempt to contact me via email, text or phone in order to confirm the transaction. 
On XXXX XXXX, while reviewing my online account prior to paying, I noticed the charge and immediately contacted the PenFed Fraud Department. They canceled the card and initiated an investigation. 
However, after the briefest of investigations, in which they could not even contact the vendor ( Id already attempted with no success ; doesnt apparently exist ), they determined that the transaction was valid in spite of the fact that I did not authorize the charge. 
There are any number of ways that someone could fraudulently use my card, while I used it at a restaurant, etc, none which PenFed even considered. 
Consequently, in spite of their inability to attempt contact with me regarding a highly suspicious transaction ( when the charge still could have been denied ) they demand that I pay for a charge which I did not authorize. 
I have called the Security Department and customer service with no success. I was told only that, since the actual card was used, that it was considered a valid charge and I would have to pay it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MI
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:
This is the third time that - over 90 days - I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. Experian continues to ignore my police report and willfully is violating federal law in investigating identity theft. The account number and fraudulent account details were included each time in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.

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 2019-07-11
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to PHH on XX/XX/XXXX. I received a notification that PHH would be taking over the processing of mortgage payments. I was advised that no action was required on my part, except the payment address. I was on bi-weekly automatic withdrawals from my bank for years so I changed payee mailing address and I thought I am done. 
When I checked my first statement from PHH I found out that I am overdue for my payment. It was surprised, since I am on biweekly payments and always ahead of my due date. My 1 st due date with PHH mortgage service was on XXXX, XXXX. PHH company received my payments for this due date on XXXX, XXXX XXXX XXXX {$830.00} XXXX and XXXX, XXXX, XXXX XXXX {$830.00} XXXX, it was showing on my account activity.. 
So I called to PHH mortgage immediately and explained that I am on biweekly payments and already submitted my payments for XXXX by XX/XX/XXXX. The PHH representative told me not to worry about it and as he said he sent request to fix this problem. Unfortunately, it was not fixed. I called several times ( needless to say 40 minutes on hold ) and send emails, but nothing done. PHH Mortgage services misapplied my regular payments as principal pay down and then reporting the payment as late. Now it's a domino effect. PHH imposed the late fees on my account and refused to waive it. Its a night matter. 
PHH were not able accurately serve its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 non-monetary relief
Consumer complaint received 2020-04-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On first week of XX/XX/XXXX My aunt and me went to Kia of XXXX to see if she gets approve by the dealer to get a car, they checked and said she do not qualify so they check my credit and said I did qualify, but I already had to loans with them but they insist the after one year I was able to put the car under my aunts name and I was going to be out of the loan, in XX/XX/XXXX we went to check that to do the change of name in the car but They said that they can do that that is imposible and so many excuses the reason why I signed for the loan was for what they told us, I need to get the car out of my name and ghey do not want to do anything, I do not know why they are giving false information. Thank you for your time

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 2022-05-13
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went online to check my balance on my XXXX XXXX through synchrony bank and when I logged on I saw a transaction on my lazy boy account through synchrony Payment Due Date : XXXX Statement Balance : {$4400.00} Total Minimum Payment Due : {$310.00}, I had no idea what this was and I have filed a fraud claim with synchrony. every time I call I get a XXXX  XXXX that will not give me any information, I have filed all the paperwork they have requested, but XXXX XXXX has a sales manager that does not know what he is doing, I have got messed over by this guy last year XXXX, and I had to walk out of the store because this guy was out of his mind and did not know what he was doing, I have contacted the corporate office and XXXX  and I am now dealing with a new issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief