BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( lXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2200.00}

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 2020-08-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR XXXX  XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2018-03-29
Company: CAVALRY INVESTMENTS, LLC
State: OH
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 believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the morning of XX/XX/XXXX I contacted XXXX/XXXX ( my and their phone records would support this ) to determine if requesting a credit limit increase would be a soft or hard inquiry in their process. I was advised that it was a soft inquiry which would not impact my credit score. I then went through with the process ( online ) with my Best Buy and Home Depot credit card accounts since they are both managed by Citibank.
I was granted the increase, but it was indeed a hard inquiry which resulted in a negative effect on my credit score. The purpose of requesting the increase was to reduce my credit utilization, whereby improving my credit score. In actuality, due to the inquiries it resulted in a 4 point reduction. I contacted the credit agencies and told them what had transpired. They advised me to contact Citibank and have them complete & submit an Inquiry Deletion Form to them. Citibank declined my request stating that they could not do so since they did increase my credit limit. Although, at one point a customer service representative advised me that the XXXX/XXXX XXXX inquiry would be deleted. I received follow-up communication that it would not. I am writing here to receive assistance in resolving 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 2017-08-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years  past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I faxed XXXX XXXX from XXXX XXXX XXXX a copy of the Promotional Inquiries and Account Review Inquiries of my Trans Union Credit Report. My Trans Union Credit Report does not show an inquiry from XXXX XXXX XXXX on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My Trans Union Credit Report shows Promotional and Account Review Inquiries which all are soft  inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from Trans Union on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from Trans Union she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.

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 2021-01-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to XXXX XXXX regarding a debt they claim I owe. They have not responded within the FCRA deadlines with the validation that this debt belongs to me. I am unfamiliar with this company or account and would like this rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I contacted our lender, PHH Mortgage, about refinancing our mortgage today, XX/XX/20. As part of getting a refinance quote, the lender ran our credit scores. PHH reported to me on our recorded call the my wife 's credit scores were XXXX, XXXX and XXXX. They reported mine was XXXX, XXXX and XXXX. This was used as part of our refinancing quote for eligibility and for terms. We both just checked our credit today after the call. My wife 's XXXXredit score is XXXX in XXXX and XXXX with XXXX. My scores are XXXX and XXXX respectively. We are not going through with the refinancing but want to notify the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Well paypal has taken over XXXX ; XXXX dollars from me they aren't letting me touch it for 180 days over someone else doing fraudulent stuff on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SECURITY FINANCE CORP
State: MO
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT 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 2020-01-23
Company: EQUIFAX, INC.
State: NV
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 at XXXX XXXX Equifax received a dispute on my behalf in regards to several accounts reporting on my credit file that was established due to identity fraud. The tracking number of the certified receipt is ( XXXX ). I was sure to also include a copy of my driver 's license, social security number, and date of birth with my dispute. Despite my efforts and I have yet to receive any correspondence regarding my dispute initiated with Equifax. On XXXX at XXXX XXXX, another dispute letter was received by Equifax on my behalf regarding the same accounts that were established due to identity fraud that are currently reporting on my Equifax credit report. Along with those letters I also included a copy of my driver 's license, date of birth, and social security number as well. Equifax recently sent my letter stating they were unable to locate a credit file with the information that was provided. The letter states that I need to provide my name, current address, date of birth, and social security number. I find this totally unacceptable since I already provided that same information on both dispute letters that I sent. In addition, Equifax is in violation of the Fair Credit Reporting by failing to respond to my initial dispute within the 30-45 days  allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau : PLEASE STOP ALLOWING EXPERIAN TO CLOSE MY DISPUTE AS DUPLICATE. THIS IS NOT A DUPLICATE DISPUTE. 

XXXX XXXX XXXX  CONTINUES TO REPORT A FRAUDLENT ACCOUNT TO EXPERIAN AS BELONGING TO ME. 

I have notified experian. I have filed an identity theft affidavit WITH THE FEDERAL TRADE COMMISSION which I have attahced. I have also attached the police report of identity theft. I UPLOADED THE POLICE REPORT to Experian DISPUTE PORTAL 10 TIMES. 

EXPERIAN HAS PREVENTED ME FROM DISPUTING THIS FRAUDULENT ACCOUNT and ALLOWS XXXX XXXX XXXX  to continue to report EVEN THOUGH I MADE A FORMAL REQUEST TO HAVE IT BLOCKED. 

ON XX/XX/2020 EXPERIAN CLOSED MY DISPUTE STATING THAT IT WAS A DUPLICATE WITHOUT INVESTIGATNG OR ALLOWING ME TO DISPUTE IT ON EXPERIAN 'S DISPUTE PORTAL.

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 2017-08-03
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX,2017 I saw in TV the commercial of Wetern Union where they offered money transfers in just minutes, and I decided to tried it.I download the app in my phone and I did the transfer for a fee of $ XXXX.What happenned was that my Mom have n't received the money yet, and she has {$0.00} in her bank account, so she ca n't even get medicine or food.How is it possible that they advertise a service that has nothing to do with the reality? My Mom and I were worried from the first day, but we said let 's wait because maybe for being first time users they verified the accounts and the information, but today I checked the bank account and it was still empty.I called them, and they said that the money will be available on XX/XX/XXXX, and they ca n't do anything to help me, just cancel the transaction and wait for the same amount of days to be effective.I explained to them the necessity of my Mom for having the money, and I asked the help of a Supervisor, the person with whom I was talking told me that it is not possible for them to change the transfer once it was made, so I feel very sad and very frustrated because they treated me without any kind of compassion, they simply do n't care.It 's a shame that in this great country things work so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase fraud impersonator called from a chase phone number and told me I had a {$260.00} charge in TX that was suspicious, did I authorize it? No I said. He said well this {$2000.00} charge did you authorize that? We will have to refund it on chase 's app zelle. 
I called the police and Chase. XXXX said Chase is the one to call. Chase said call the cops ( Which we did ) and said they aren't paying. 

Chase makes the apps to drain your account using your phone number to do so. Without a pin required! 

They cant leave doors open to your account and then claim its not their problem when a client ( over 10 years ) gets robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to the Consumer Financial Protection Bureau as a final effort to resolve an issue I am currently having with Rushmore Loan Management Services located in XXXX California. Over a year ago I had applied for a loan modification due to a financial hardship. At this time I retained an attorney who represented me. We could not agree to a modification on both sides. With the direction of my attorney I filed a preliminary bankruptcy so I would not lose the house. Rushmore then presented a modification and I amicably agreed to their terms and the petition for bankruptcy was promptly withdrawn by my attorney. Rushmore asked for a good faith down payment which I complied followed by monthly mortgage payments wired directly to them by my bank for 6 consecutive months. These were the terms to satisfy this agreement. In spite of complying and sending timely payments a few days to a week prior to the due date and Rushmore issued auction dates and continued to record as foreclosure. I also wrote to the XXXX  in an effort to remove the foreclosure by Rushmore. It was only after I contacted the XXXX  that Rushmores attorney responded with a letter of apology and stating errors were made by them. I finally received the congratulations on your modification letter several months after the terms were completed dated months before. I am now still receiving multiple mail correspondence from attorneys stating that it is still recorded as a foreclosure by Rushmore. Bankruptcy was never completed at any time. I continue to be in good standing and this foreclosure issue has to be cleared. If something can be done by your agency it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va debt management office. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.

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