BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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 made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MD
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an issue with my Apple Credit Card issued by XXXX XXXX Bank that I am hoping can be effectively mediated and resolved. 
I utilized my Apple Card with a merchant on XX/XX/2020 in the amount of {$8.00}. I use that card very infrequently and for smaller amounts. It is a newer consumer credit card for me, and I have been trying it out on occasion. Apparently, I forgot I made the charge and my {$8.00} balance went unpaid at the end of XXXX. By the end of XXXX I was still unaware of the charge on my account and I incurred another resulting interest cycle in the amount of {$0.00}. I received no notifications via email or otherwise of my late payment due until XX/XX/2020 when I became aware of it because I a received notification of reporting to my credit agency. On the XXXX of XXXX, I called Apple/ Goldman Sachs and reviewed my account with an attendant ( XXXX ) who confirmed that the email they had for me was not functioning and I likely had not received their notices of late payment. She apologized for the issues I was having as did I for the oversight itself. She agreed to send a dispute of the issue along with a request that the report be withdrawn from the credit reporting agency. What I received then was a series of automated messages from Goldman Sachs stating that the report was made correctly and there was nothing further that could be done at this time. My attempts in follow up to multiple attendants and supervisory staff on both XX/XX/XXXX and XX/XX/XXXX have only resulted in the same formatted email response. I have formally requested a goodwill retraction of this reported delinquency and have been refused that by Goldman Sachs at each turn. 
Previous to this incident, I had a perfect credit rating without a single late payment in over 25 years of consumer credit usage. With one late payment in this instance, my credit score went from XXXX to XXXX. I will unfortunately suffer unfair and unreasonable harm should this simple and minor miscommunication be allowed to stand on my file. It is within the banks discretion to retract this report as a show of goodwill considering the impact to me and the amount and time delay of the payment, yet they refuse to offer that resolution despite acknowledging the communication issue between us and refunding the {$0.00} interest charge. The impact to my credit and business credit lines will unfortunately cost me thousands of dollars in additional interest until this falls off my file likely years from now. I would respectfully ask for any intervention or mediation on my behalf to help resolve this matter and assist me in finding a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: SECURITY FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
Dear Security Finance, XXXX  & XXXX  : Thank you for sending me your internal records of the debt ( SECURITY FINANCE ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX  including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I called TransUnion multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to TransUnion with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from TransUnion that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( XXXX XXXX ) so that they change the SSN to the correct one. The next day, I contact XXXX XXXX and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that TransUnion is still reporting the wrong one. On XX/XX/XXXX, I call TransUnion again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from TransUnion saying that they went in and fixed my social security number, but my creditors ( XXXX XXXX and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with XXXX XXXX on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.

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 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days  before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to Capital one for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.

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 2023-08-30
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are taking 2 very large payments automatically from my checking account that I was NOT told they would do and are charging outrageous fees I was not informed of. The only fee I was informed of was a 10 % payment once a month. I would have NEVER accepted this loan under these terms!! I now can not pay my other bills and am going to close my checking account so they can no longer have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing, Inc. is my lender. I knew I was behind on my mortgage and I have reached out to their loss mitigation department several times. Each time I called I get sent to a general voicemail and no one has returned my calls. I did receive XXXX call back on XX/XX/XXXX, @ XXXX from XXXX I returned the call, and I had to leave a voice mail, and no calls since. I was notified by my XXXX XXXX that the house was in foreclosure. I would to keep my home but at this time to not want to refinance. Seems like SPS would be interested in keeping people in their homes. XXXX Statement just arrived with an outstanding balance of {$19000.00}. I have also been working with XXXX. I received an email back in XXXX stating they were working with SPS and not sure what happened with that. My XXXX statement shows my account has been referred to an attorney for legal action. Also, back in XXXX & XXXX, SPS raised my house payment XXXX and some dollars to {$1900.00} and so dollars when they knew I have had problems paying the {$1200.00}. I would also like to know where the extra money went that I was paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and Trans Union, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.

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 2022-12-07
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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-24
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a bill from " XXXX XXXX '' dated XX/XX/2018 said I have an amount due {$660.00} to " XXXX XXXX XXXX '' which I'm sure I don't. 
I sent an email to XXXX XXXX XXXX but haven't received a reply from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.

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 2021-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have diligently paid my mortgage payment via ACH since it was first sold to Rushmore Loan Managment. I was notified that they had sold my mortgage to a different servicer but had not sent the monthly payment that was debited from my account on XX/XX/2021 in the amount of {$12000.00}. After speaking to Rushmore they informed me they decided to take that monthly payment and apply it as an additional principal payment. This was done without my knowledge or consent, furthermore they have also failed to forward that {$12000.00} payment that they say was applied to principal to the new servicer so my principal at the new servicer is the same and is still accruing interested while Rushmore does whatever they wish with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letters citing the laws within the united states to provide proof that this debt is mine. 

I have gotten no responses and have already asked for proof over a 60 day period. 

I have included the letters i have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Spoke with 3 service representatives from syncb, all 3 refused to let me close my accts. I have XXXX store cards I want all XXXX closed.

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