BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: VA
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 XXXX, Experian alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via Experian ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX Tree ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report Number : XXXX In contacting all 3 credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: TN
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, US Bankruptcy Court Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
I leased a car from Hyundai in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with Hyundai to buy out the vehicle. I got a loan through XXXX  auto finance to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.

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 2020-09-14
Company: SYNCHRONY 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 hard inquiries I have already disputed more than once with XXXX  in writing for Syncb/PayPal that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to Syncb/PayPal and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX  on XX/XX/XXXX and have also disputed more than once directly to them. 

I have XXXX  hard inquiries reporting to XXXX  that I also never authorized from XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with XXXX and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report 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 2021-08-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I recieved a mortgage in XX/XX/XXXX from Bank Of America to purchase our home. Because of the price it required 2 mortgages, One was a balloon mortgage due in 10 years ( XX/XX/XXXX ). We never missed a payment on either note, When the balloon note was due we just assumed they would refinance it for us as we could not pay it off at that time. They would not refinance because the value of our home decreased. I called BOA for advice and was turned over to their debt collection department. I was told to do a loan modification but to keep making the payments on the loan. We sent in 3 payments which were returned to us and was told pay the balance or nothing. I did as the my account manager asked, sending in documents regarding our income etc, For a period of 5 months I dealt with several different personal account managers and underwriters. Nearly every week the account managers would call and say that the underwriters wanted more information about our finances etc. Just when I was told that was probably it, the account manager would call back the next week with more questions from the underwriter. All this went on from XX/XX/XXXX to XX/XX/XXXX. This caused us to be in default on the payments of 5 months! We did finally get the loan modification but at a higher monthly payment and interest rate. I was told in the beginning the monthly payments and interest rate would be lower. 
BOA sold our first mortgage a few years ago to XXXX but BOA retained the balloon mortgage. We asked XXXX ( now XXXX XXXX ) if they would combine the 2 mortgages and at a fixed rate. ( The mortgages we have are not at a fixed rate. ) We were denied because of the missed 5 payments to BOA. We are both in our XXXX and even if we tried to sell our home now it would have to be a " short sale ''. Not something we want to do at this point in our sunset years. 
We feel these missed payments were not our fault. The BOA underwriters did not have their act together in my opinion. There was no reason this loan modification could not have been done in a few weeks not 5 months! I would appreciate it if BOA would issue us forgiveness for the missed payments and report this forgiveness to the credit bureau.

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 2020-09-14
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX  to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The bankruptcy listed needs to be removed, along with the one account listed.

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 2018-06-07
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
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 was trying to purchase a XXXX XXXX cleaner, we did the paper work to run my credit on Thursday XX/XX/XXXX, and i was under the impression they had only one finance company. They have since ran my credit three times without my knowledge, and dropped my credit score drastically. I cancelled the purchase Tuesday XX/XX/XXXX. I don't know if its legal or illegal, but they did it without contacting me on the other inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Springleaf finance in XXXX Ga. back in XX/XX/2015 I call Springleaf about a loan of XXXX dollars and to pay in full in 36 months, I was told to come in the next day bring my wife to co-sign on the loan which I could got on my own. Me and my wife was told the loan was for 36 months on the paper work was 36 months which we both read in full we e-sign to loan papers but the lady said there was a mistake on the paper work and had to reprint the loan paper work but was very, very nervous shaking with this new paper work I read and e-sign the loan of 36 months my wife read and e-sign the same paper on 36 months, the woman was shaking so bad after we had sign the papers when was giving them to us alone with the XXXX dollars. we got home we found out the there was a bait and switch on the paper work of 48 months which we both read before signing of 36 months please check the hard drive on there computers if they haven't erase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Calvary Portfolio threatened to sue me via XXXX XXXX. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AR Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called them because I received notice, asked it it was different than my original provided XXXX XXXX as I had already received bill and made payment, customer rep rude rude and repeated I had received, told them I dont deny that however want to verify and yes I am making payment as I just received it from your company but not and invoice from XXXX  XXXX. Made payment too but customer rep was rude and used demeaning tone to Insult despite making payment. She would not let me finish talking or explaining my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Resurgent Capital Services L.P.
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:
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

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 2020-09-14
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: Information belongs to someone else

Complaint:
XXXX  and TransUnion are fraudulent on credit account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2018-06-07
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: Information belongs to someone else

Complaint:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

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 2018-06-07
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX failed to disclose : I hired XXXX to assist with negative claims on my credit report. I informed them directly that I was doing so to get a mortgage. They filed a set of disputes. When I continued my efforts to get a mortgage, 100 % of mortgage companies contacted said they couldn't proceed toward a mortgage with disputes showing on my credit report. As I had just moved, and was living temporarily in a hotel room, this waste of time and money was highly disconcerting. An even more significant trouble was getting the disputes removed. XXXX XXXX was no help, and as before, the credit bureaus have a highly difficult phone answering system to get through. The initial 3 phone numbers for the bureaus that XXXX XXXX provided took me several hours to get through, and ultimately dead-ended. I then received 3 new numbers from another source, and after an hour on the phone received confirmation that the disputes were removed. Then a week later a mortgage company tells me they're still showing! Frankly, I'm in mortgage and credit report XXXX-the credit system allows a company to file fraudulent claims for payment, and we the consumer are presumed guilty. There is a whole industry based upon this lapse in our system ... of which XXXX XXXX is a part. Companies now find it in their favor to make false claims, easily turn them over to collection agencies. They both know that the sums of money aren't enough for a consumer to hire an attorney. 'Credit Repair ' companies then feed the fraud, when there isn't a legal basis for their statements ... the basis for their 'credit repair ' is simply the hope and prayer that collecting entity will simply fail to respond within 30 days. This is fraud upon fraud. To make it worse, the credit bureaus are a money-grubbing effort,  unconcerned about the consumer. Today, XXXX sends me a email saying my dispute is resolved, and give a link to view it. It goes to their site, but when pushed, it simply returns to the home page. They're fraudulently indicating I can view the report without being a paying member, yet I can't see it! Another part of this whole fraudulent process!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My banking platform, Simple, was purchased by BBVA. A few months back BBVA made the decision to XXXX Simple and transition all accounts to BBVA after business hours on Friday, XX/XX/2021. The company sent emails to me and other Simple customers telling us our accounts were ready to use. However, trying to activate the account resulted in vague errors on the companys website. Calling the provided customer service number also resulted in vague automated error messages saying to call back later. BBVA later posted a tweet claiming the error was resolved, but this appears to be incorrect. They tweeted again saying customer service lines would be open today, Sunday, XX/XX/XXXX. However, calling those numbers result in automated recordings of people pretending they can not hear you. 

It has been 36 hours and I have no way of accessing my checking or savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Diversified Adjustment Service, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX  2017 and Diversified Adjustment has not responded

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned. 

Payments collected after charge off date : 1. XX/XX/XXXX - {$150.00} 2. XX/XX/XXXX - {$150.00} 3. XX/XX/XXXX - {$150.00} XXXX. XX/XX/XXXX - {$150.00} 5. XX/XX/XXXX - {$150.00} 6.  XX/XX/XXXX - {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.

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