BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
I disputed the accuracy and information on my credit report for bankruptcy. Both XXXX and Experian told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.

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 2022-08-11
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My situation is as follow. 

I had a mortgage loan with XXXX XXXX, this bank was closed for the federal government, my mortgage passed to XXXX XXXX in XXXX after that Rushmore servicing took my loan. 

In one occasion I sent to them a CK for the amount of XXXX to pay in full all my debit because during their process they no want receive payments. 

Pass the time and I no pay the loan but they give me the opportunity of buy my home for second time and give me until XX/XX/XXXX to buy, but Rushmore and XXXX XXXX  was working together to make a foreclosure no matter told me yes you can buy. In that start the Covid situation that stoped all process. No matter that in XX/XX/XXXX I received a note in my home of a young man that bought in a foreclosure my home with me and my things inside. Now I have to take my things and exit from my home because they want me out. This process was illegal for many circumstances. I never receive a letter or any legal note of when and where was the forclosure all took me by surprise. This affect me two times because I work from home and now stop my incomes, no home, no nothing and the government here with the money of the people in bank and no give us any help Is incredible this situation because I don't know what I'm going to make because need a lot of money to make my movement too but can't work or produce because have the new owner calling because have hurry. 

Any one can help neor give me any legal orientation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
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:
Prestige financial has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to Prestiges financial they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a Vehicle loan and was turned down because XXXX XXXX reported debts I knew nothing about, XXXX XXXX sent a debt letter to a third party, address I don't live. 

Under the Fair Debt Collection Protection Act, a debt collector can not disclose personal information to a third party without the written signed consent of the consumer.

Also under the same act, A debt collector by law has to give the consumer 30-days to dispute, and ask for validation.If not then the debt collector must delete the debt  for good. 

but instead, XXXX placed the debt on all three of my credit reports. 

Also violations under the North Carolina Consumer Protection 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 2021-07-06
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a collection on my credit report, from Sunrise Credit Services, for XXXX XXXX XXXX XXXX. I have an account with XXXX XXXX XXXX, but have never missed a payment, or been late, and I certainly never owed them {$1400.00}. I called XXXX XXXX XXXX, who tell me they have no record of this action. I filed a dispute with XXXX  ( the only credit reporting agency that shows this collection ), and they said they contacted Sunrise, and were assured it was legitimate. ( I have filed a second dispute with XXXX. ) I called Sunrise, and explained that I did not incur this debt. They told me the address they had on file for me, which was not my address, had never been my address, and that I didn't recognize. They told me they would send me a dispute packet, that I was to fill out and return to then. I have not received a packet. ( I have requested they re-send the packet. ) Due to this fraudulent activity, and the resulting collection, I am unable to perform credit-related activity. What is the next step I can take to remove this fraudulent activity from my credit report? ( Preferably before it infiltrates my other credit reports. ) Thank you.

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 2022-08-26
Company: TRANSWORLD SYSTEMS INC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a dunning notice from TSI, Transworld Systems Inc, alleging I owed {$18.00}. My records show this debt was paid, and had been waiting on Medicare and my Medicare Supplemental Insurance to pay with no update provided to me. The very fact that TSI is involved for an {$18.00} charge underscores that Medicare was billed too much by the provider but more importantly it underscores that TSI is a crooked firm that does not verify the accuracy of their alleged debts. If TSI can handle an {$1800.00} debt, then they are using slaves or overseas labor, or they have nefarious intentions of shaking down the public as they can not even answer a Consumer Finance inquiry for {$18.00} if they are using ethical labor and ethical tactics. I DO NOT owe this debt, and I am requiring TSI to acknowledge their incorrect information and to make a formal, written apology to me. By the way, Medicare is NOT efficient but it is a Federal agency that is too big to ever be efficient. Just like TSI is too big for their XXXX, documented to be inefficient, inaccurate, and crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX- converted existing Capital One credit card ( limit {$8500.00} ) to a Capital One Venture Card. Converted because part of the offer listed in the bullet points in my online user portal was an offer of a XXXX mile bonus if I charged a least {$4000.00} within the first three months of having the card. 

XX/XX/XXXX - still had not received any further information or indication of the offer being " live. '' Called Capital One customer service. First person I spoke with said she couldn't find the offer, put me on hold, and hung up on me. Called again. Second person I spoke with put me on hold several times and finally told me that because I saw the offer in my online portal, they were going to honor it. He said he was transferring me to someone to be sure the offer was activated. The next person who came on the phone proceeded to tell me that they would not honor the offer. The call was RECORDED- please access the company 's recording to confirm that this is what he told me. Again, this call was recorded by Capital One. The call happened on XX/XX/XXXX beginning at XXXX XXXX  Central time and ending at approximately XXXX XXXX  Central Time. There is no refuting a recording. 

I would like to receive the offer that was given to me in order to entice me to convert to a Venture card. By converting to this card my annual fee was increased, but it was worth it due to the bonus offer. The company is trying to not honor the offer it gave to me online, and that it then promised to me on the phone in this phone call. This is deceptive as a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One denied a recent application of mine because of the security alert on my credit report. 

They advised me that until my current phone number is updated and they can call me it will remain denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: IN
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 ever sign up for a XXXX contract. Nor did I ever consent to an account to be open in my name

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 2019-08-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I went into XXXX 's XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from XXXX that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Incorrect balance of Capital One credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I am having the same problem with this company as well. I have submitted a letter and documentation and I am getting the run around. I want this information removed once and for all. I have enclosed my information. 

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 2022-08-26
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, has violated my rights. 
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 This inquiry was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, has violated my rights. 
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 This inquiry was not authorized by me.

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 2019-09-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my bank submitted an electronic payment to LoanCare for $ XXXX.with an account # that had been the # for XXXX as the new acct # had not yet been received. LoanCare had issues with other accounts as my statement indicated double payments, then payments removed resulting in the loss of that payment from XX/XX/XXXX. On XX/XX/XXXX I called customer service to inquire about the delinquency on my statement and was given the email for the payment research dept. I sent a copy of my billpay detail to show that the payment was made and to what acct #. I was informed much after the fact that this was insufficient evidence and that they needed the transmittal number. Several calls to my bank I was informed that that information was unavailable and they provided an official statement from my billpay. Again, LoanCare said this was not sufficient as the old account # had been closed and they had no idea where the payment went. In the meantime, I am receiving notices of potential foreclosure, daily phone calls about delinquency even though my payment was theoretically in 'research '. I spoke to a manager who was extremely defensive and we had a three way conversation with my bank who repeated that the information being requested was unavailable. At the end of that call I requested that they make sure my acct was flagged so that I would stop getting the calls and letters. Every call I had with them I repeated that someone please make sure that this does not get reported as delinquent to credit agencies. I asked my bank to investigate any means to satisfy LoanCare as I was becoming afraid that they would not do their own research to locate the payment and would simply start foreclosure proceedings. My bank supplied the payment confirmation, I sent it payment research on XX/XX/XXXX. I got an autoreply from the email and heard nothing else. Today I received notice from XXXX that my mortgage has been reported delinquent as of XX/XX/XXXX. I called LoanCare, they confirmed receipt of the email and told me they are working on it and I should know something by XX/XX/XXXX. I am now waiting for a call from a manager, again.

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 2022-08-26
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. 
The Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. 
In a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. 
Later, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. 
I have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.

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 2018-08-07
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 was told by a rep over the phone with XXXX XXXX that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via XXXX XXXX website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive  credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to XXXX XXXX asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   XXXX  violated FDCPA  1692e.   XXXX   XXXX   XXXX  filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees.  XXXX  and  XXXX  failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the  Claimant and    XXXX   XXXX   XXXX  are the Respondent.  XXXX , clearly states t he Respondent  did not pay. Per  XXXX  '  Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays.  See Attachment.     XXXX   XXXX   XXXX   XXXX  knowingly lied on filed claim which clearly violated the FDCP A 1692e

Company response to consumer: Closed with explanation