BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Porania, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have no bankruptcy on file but every time a company denies me it is because of bankruptcy. My credit report shows " Hurting your credit score There is a bankruptcy on your credit report '' In another part of my report it shows " Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.

You currently have no bankruptcies on your credit file.

If you recently had a bankruptcy, it could take a couple months to populate to your credit report. ''

Company response to consumer: Untimely response
Consumer complaint received 2015-07-29
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: OR
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:
Dear Experian, XXXX  and XXXX, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

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
Consumer complaint received 2015-06-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened XX/XX/2017 Balance {$63000.00}

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 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have consistently disputed the inaccuracies in the provided information with Equifax and XXXX ; regrettably, the matter remains unresolved to date. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Rushmore Service Center, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I need my mortgage company ( Rushmore Servicing ) to start reporting my mortgage payments to the credit bureaus. Presently they are not due to a discharge bankruptcy that occurred years ago. I am no longer in a bankruptcy and paying my account. Per the mortgage company, they do not have to report to the credit bureau at all. I tried to explain I need my payments to be reported as this is negatively impacting me from obtaining a home equity line of credit to assist with getting needed repairs done to my home. It is also impacting my credit score. The company flat out refuses to reverse this. Please help me in working with the company to have this issue resolved.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: SunTx Capital Partners
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
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:
XXXX XXXX has reported to Experian two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but Experian refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/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 2021-01-27
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan under United Wholesale Mortgage, my loan is a XXXX XXXX Loan and I have used 6 months of the 12 months under the Cares Act. The problem I have is I have called to extend my forbearance and they keep telling me they put in the request and I should be good but then nothing happens. I have been calling since XXXX to get everything worked out. The only thing anyone tells me is they will be putting in a request, they don't call anyone else or try actually solving the problem. I was able to get one month added but only after being on the phone for over 20 hours ' worth of phone calls. They gave me one month and I called in again in XXXX to extend for another 6 months per their policy. They keep doing the same thing, no one is handling my account at all. We found last time that the system was just Auto closing my tickets and the if they only put a request in the system it will just keep closing it. I also get a different story each time and told I have to wait. Its been over 30 days and no one is actually trying to help, the normal time as I understand is 7-10 days. They are simply saying they are putting a request in and then nothing happens. Under the Cares act I'm allowed 12 months of forbearance I've used 6 and they do not need to be consecutive. I have spent another 20 hours on the phone since XXXX to try to resolve this and no one is doing more than just submitting a service ticket in their system. There is something wrong with their system, or they are simply not processing these requests. Both are wrong. It seems like they do not have any standard practices in place for these issues and because representatives give different answers and assurances each time, it hard to believe they are actually doing anything or care too. One even told me I have a forbearance when I don't. I have been told they would call me back and they don't, I have been left on endless holds ... It just keeps going on. What no one has done is actually call or talk to anyone in the loss department or anyone that can actually help. They will only put in a service ticket and those service tickets don't go anywhere. 

Overall, it seems to me under the Cares Act that I do qualify for this forbearance and that UWM should be taking care of this as part of their responsibility under the cares act and they are neglecting to do so weather intentionally or out of incompetence. 

I need help trying to get this resolved as all my attempt to try to resolve it with UWM have resulted in the person putting ins request and no one actually taking care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-05-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase bank approved and issued me a XXXX XXXX credit card that I received on XX/XX/18. Less than 2 weeks later on XX/XX/18, they unexpectedly cancelled that card and another chase IHG reward card without even notifying me. 

They claimed that they reviewed my credit report and thought I now had too many credit cards to have this card. I suspect they did not want to offer the XXXX point bonus any longer as my credit had not changed since my original application. 

Really perplexed but just doesn't seem like they cancelled my cards for any legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/XXXX, my account was fraudulently accessed and used. After I became aware of this, I contacted JCPenney Credit Services/Synchrony Bank to report that I did not use my account at any time during the month of XXXX. I was assured that I would hold no liability for the fraud because the bank has zero fraud liability. 

When the fraud was discovered, the account ( 1st account ) was closed and a new account ( 2nd account ) was opened. JCPenney Credit Services/Synchrony Bank transferred the balance I owed from account 1 to account 2. The balance transferred was XXXX. This should be the balance reported to the credit bureau however Synchrony has reported a balance of {$1500.00} which included fraudulent charges and interest charges on those fraudulent charges. JCPenney Credit Services/ Synchrony Bank knowingly reported inaccurate information to the credit bureau XXXX 

I was recently notified that JCPenney Credit Services/Synchrony Bank closed the second account due to two payments that were returned. Those payments were part of the fraud. I NEVER made those payments. The closure makes no sense. I owed a balance of {$560.00}, why would I make payments in excess of {$1000.00} to the account? They knew I owed only {$560.00} because they transferred that balance to the new account. Someone should have seen the activity on this account and questioned it BEFORE closing my account especially since one of the payments was made after the fraud was reported. The fraud payments are : a. XXXX XXXX b. XX/XX/XXXX XXXX JCPenney Credit Services/Synchrony Bank closed the second account in error and reported to the credit bureau the account was closed by grantor with a balance owed at {$1500.00}. The closure of this account and its reporting has adversely affected 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting 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 ordered a my ChexSystems report and noticed a unauthorized hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023. Prior to applying for a checking / savings account with XXXX XXXX XXXX XXXX, I called and spoke to a representative and I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my ChexSystems report to see that it was a hard inquiry. 

A complaint was submitted to NCUA and XXXX 's VP responded indicating that the inquiry was soft and it was indeed hard ( viewed by others )

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 2021-06-08
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home the loan to AmeriHoME mortgage was paid in full. In my escrow account I had {$5600.00} which AmeriHome has to return to me within 21 days per law. They mailed a check dated XX/XX/XXXX for the amount of {$5600.00} I never received the check but I was told by AmeriHome that it was cashed. AmeriHome emailed me a copy of the check. I informed them it wasn't me and filed an " research case '' in order for them to look into it on XX/XX/XXXX Via fax as told by the customer service representative. In the fax I included my ID and my Husbands ID, a copy of the police report that I filed with XXXX XXXX XXXX XXXX, a copy of the canceled check AmeriHome provided me and a statement asking them to reissue check because I did not cash the check. I have not heard back from them. I have called to follow on the following dates on XX/XX/XXXX they confirmed that they received my fax. Called again on XX/XX/XXXX the representative said he didn't see updates but he would send the research department an email and ask for an update. Called again on XX/XX/XXXX the representative said there was no updated from research department at all not even after the email. I asked to speak with a supervisor and was told by representative that she was emailing the request for a call back from her supervisor and that I would get a call within XXXX hours. as of now XXXX hours later no call. I called XXXX because the routing number on the copy of the check is from XXXX and they told me I had to go back to the mortgage company. I am very frustrated because no one in the " research department '' at Ameri Home contacts me not by mail or phone. There is no direct number to them so I have to go through customer service those representatives no nothing and send internal emails but when I call back there is no response to their emails either. This is not a small amount of money. I need HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

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 2020-01-22
Company: Experian Information Solutions 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 pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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