BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan Number is XXXX. I got behind in my mortgage payment back in XXXX but have really been trying to catch up the four payments that I had missed. My last payment was on XX/XX/XXXX which just brought my past due for XXXX. I was told and directed to put in for mortgage assistance. but because I had put in for this. SPS Servicing would not accept any payments for any reason. which I had 2 payments that would have brought me within 2months of being past due. Now since this has happen I haven't made any payment Now I'm 5 months behind and my loan has been referred to an attorney. I have been in my home for 22 years and don't want to lose it. On XX/XX/XXXX I had XXXX  XXXX and explain to the company I was Out of work but would be getting short term XXXX from My insurance company at work and would make as many payments as I could to catch the loan back up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
a complaint was done on XX/XX/2019, and we never heard any feedback, an dinvestigation from Experian Inc

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 2021-05-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LOANDEPOT.COM, LLC owes me {$1200.00}. I refinanced my mortgage with LOANDEPOT.COM, XXXX. I locked 2.375 % with {$5500.00} in lender credits, as shown in the loan estimate. LOANDEPOT.COM, LLC took a long time to complete the refinance, which was not my fault in any way. At closing, LOANDEPOT.COM, LLC reduced my lender credits by {$1200.00} to {$4200.00}, as shown in the closing disclosure. LOANDEPOT.COM, LLC refused to restore my lender credits to {$5500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-29
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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX  and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.

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 2019-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will be my second attempt @ trying to have FCRA section 609 ( a ) ( 1 ) ( a ) met properly for my complaint. I have mailed in a debt validation letter on XX/XX/19 to Portfolio Recovery Associates and I will include a copy of their response. No where is a copy of any physical proof this if my debt or in fact even my account. I am curious as to how theyre not held to the FCRA laws. It is baffling to say the least. I requested the following information from them & can not seem to get anything except a copy of a statement from them PRA, with no documentation attached to confirm this account is mine. I asked for a copy of their state license, didnt receive that as well. I will continue to file complaints until I receive a proper debt validation. I have read numerous complaints online regarding the same issues other consumers have with PRA. I am demanding a PROPER DEBT VALIDATION with a copy of the original SIGNED consumer contract. How is it even legal for them to purchase an account with NO physical proof that this account is in fact the consumers???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TN XXXX and applied for a XXXX XXXX XXXX XXXX XXXX pricing at {$8600.00}. I originally spoke with XXXX ( a car salesman ) who was able to get to financing and get me approved for the loan I was requesting. When he brought over the offer document it had an additional fee as he stated was for XXXX that was not in the original amount nor in the specified fees online. He then told me that XXXX is in the fine print. I then asked him to show me where it was in the fine print he was not able to pull it up so he asked his manager XXXX to look it over and they proceeded to print off a new offer showing a RECONDITIONING fee. I asked to speak with the manager XXXX to come over. I explained to the manager that fee is not stated on the website either. And that I am aware the only fees that should be charged are taxes, tags, title, and sometimes doc fees. XXXX proceeded to say that he would contact his general manager to try to get the fee removed. He went to a back room and came back XXXX minutes later stating he could not remove the fee and would need a {$3000.00} down payment. This company broke the law! Per 15 USC 1662b & the Truth in Lending Act it is against the law to state that a specified downpayment is required in connection with any extension of consumer credit. And per 15 USC 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

I have attached photos from the dealers website to support my complaint.

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 2018-01-17
Company: Americor Funding, LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
PenFed has broken the law pursuant to the TRUTH-IN-LENDING ACT, EQUAL CREDIT OPPORTUNITY ACT, FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTIONS PRACTICES ACT. I have been denied credit which is against the law pursuant to the Equal Credit Opportunity Act. I have been denied my right to my open ended credit plan pursuant 15 U.S.C. 1602 ( ( j )

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 2022-01-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter to open a claim in regards to Southwest Credit Inc. I have initially received a letter regarding an alleged debt from this company in XXXX XXXX XXXX. I responded in XXXX and XXXX via Certified Receipt Return Request letter to dispute to alleged debt. Under the the FCRA as a furnisher of information said information that is reported in my credit file should be accurate and without malice to destroy my financial wellness. I asked for Southwest as a furnisher of data produce a contact pursuant to the FCRA. Under the FDCPA this company has failed upon multiple attempts to provide information within a timely matter, just submitting copies of a bill of phone numbers that do not belong to me really question the validity of this debt. Especially since I am a XXXX  customer during the time of the statements with a different phone number and I remain a customer with XXXX  since XXXX. This account is frivolous and I demand information of this account because I have had a valid account with this company and continue to have an open active account. Why would XXXX  allow me to have a duplicate account? I am looking forward to Southwest producing items other then a billing statement to prove that the account is mine. The validity according to the FDCPA is disputed as the amount of debt and the original creditor with address is not provide/within the statement submitted to me on XXXX.

 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt 
collector shall, unless the following information is contained 
in the initial communication or the consumer has paid the 
debt, send the consumer a written notice containing
(1) the amount of the debt; 
(2) the name of the creditor to whom the debt is owed; 
(3) a statement that unless the consumer, within thirty days 
after receipt of the notice, disputes the validity of the 
debt, or any portion thereof, the debt will be assumed 
to be valid by the debt collector;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I downloaded the consumer report that XXXX has on me after I was denied credit due to defamatory items that Trans Union has reported on me. The report is identified by File Number : XXXX. After reading my consumer report in full, I utilized the listed resources that regulate consumer protections from the report to educate myself on the laws that were created to protect misinformed and abused consumers like myself. I never gave authorization or consent to Trans Union to have, use or disclose any of my personal, private, or personally identifiable financial information. I've contacted Trans Union on multiple occasions to have these defamatory items removed from my consumer report, as this information has continuously caused me harm, financially, and emotionally, but they've yet to remove these items.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX. To remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX those are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it 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 2022-01-26
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Jefferson Capital Systems LLC They continue to renew the date on the debt in question. 
The latest date renewed on XX/XX/2022 from a previous date. 

This keeps bringing my credit score down every time they change the date to a newer one.

I have disputed the validity of the debt and have requested any documentation of Oral agreement, Written contract, Promissory note or Open-ended accounts. 

They have not responded to my emails or written letters requesting documentation. 
I have also requested for them to remove the debt in question from my credit report, which has obviously not happened. 

They claim that I have an open balance of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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 information incorrect

Complaint:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Equifax received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was instructed to pay a vendor at the request of what I later found out was an imposter. My cashiers check of {$3600.00} went to a Chase bank account XXXX routing XXXX XXXX XXXX. My bank and Chase seem to have no interest in pursuing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX. To remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX those are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response 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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian 's XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions.

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected. 

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report.

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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