BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a USDA loan, I have a financial hardship my son totaled my car, I worked XXXX XXXX. Lost my cleaning  accounts due to no transportation. I live in a rural area with no public transportation. Single mom of XXXX kids who father passed the way. My son totaled my car it became very difficult to pay my bills.started getting behind on my mortgage. Called Rushmore my lender explained my Hardship. They said to complete a borrowers assistance package, I did many, many times they kept saying they were missing a paper the same paper I mailed and emailed more than 15 times. They kept playing the never received paper game with me, kept switching single point of contact and I had to provide all forms again for nothing. Rushmore never once tried to help. By law they need to provide me with 3 modification before putting in foreclosure because my mortgage is insured by the government. Did not receive no type of help or modification instead Rushmore filed a mortgage lawsuit against me. In XXXX county Florida. Were acting in bad Faith and completely negligent servicing my loan. They just want to keep adding late fees and put me out the house because it has went up on price. I don't know what to do. Rushmore know they were negligent and acting in bad faith. I lost money with 2 law offices that were supposed to help never did nothing like Rushmore kept playing with me and took my money.

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 2019-02-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default. 

Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Flagstar Bank, N.A.
State: GA
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: Other problem getting your report or credit score

Complaint:
My mortgage company was XXXX XXXX and my lender sold my account to Flagstar banking. I noticed that my credit score dropped  tremendously because it showed that my account was closed but actually it was sold to Flagstar banking. They have not reported that I pay my mortgage through them now and it's effecting my credit score.

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 2021-05-02
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:
Have not received the " method of verification '' for the following invalidated, inaccurate account on my credit report requested over 60 days ago on XX/XX/21. This is a request to comply and a notice that Experian is in violation under section 611 ( a ) ( 6 ) ( B ). Immediate action is demanded.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: MN
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:
I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.

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 2018-04-20
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit Report Inquiry Made Without My Permission

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 2020-05-27
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was basically sent a form to fill out verifying that fraud had taken place and I sent it back asking that they send me an email so I could send them proof of the fraud or a physical business address and they refused.I have all on my pc so nothing I can do to show without an email to send them proof so I gave my email address and asked for theirs yet they wont comply and say they are letting this person keep my money. = ( I have documented proof this package doesnt exist from customs and usps yet this fake vendor suggest it was shiiped.Id also like to say that way to go program never tried to track said package or clearly they would see its fraud too as this package doesnt exist. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
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:
the following inquiries are fraudulent and needs to be removed : XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 an unauthorized wire transfer in the amount of {$3500.00} was sent from my Chase checking account to a XXXX XXXX account along with a fee of {$25.00}. This transfer occurred as I as on the phone with Chase handling fraudulent activity that was occurring on my debit card on the same day. I was told that it seemed like someone had access to my mobile banking. 
A claim was made on XX/XX/21 regarding the wire transfer fraud and Chase requested to recall the funds from XXXX XXXX. On XX/XX/21 Chase sent a secure message stating that a recall was not possible and advised me to file a police report. I filed a report with the XXXX County Sheriff 's Department ( report # XXXX ). The Investigator called on XX/XX/21 and stated that there was a clear indication of fraud and funds should be returned, his contact information is XXXX. I then gave this information to Chase on XX/XX/21 and received a duplicate response from chase on XX/XX/21 stating to contact law enforcement once again. I stated that I already did, that they were able to see that it was in fact fraud and stated that I should have money returned. On XX/XX/21 I received a message stating that they can not return money because the money is not with them. I have tried multiple times to get my money back, jumped through every hoop I was told to comply with Chase, and still have not gotten the funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX. XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 All these inquiries on equifax report which are from identity fraud nwithwr companybor bureau will not remove them whenbi did not do these no id or my signature to approve this Attaches is mm y identity theft to cpfb on the companies which have no address or anything to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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:
Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.

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 2020-11-24
Company: The Best Service Co.,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 had an account with another person who ended up stealing my property, and identity. I tried multiple times both with letters and calls to the Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX to pay a debt which was never mine from the beginning, but I asked my relative to help since I travel 80 % of the time to pay the debt without interest. This company was rude, threatening, hung up the phone several times and REFUSED to accept payment.

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 2023-05-22
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I tried to sell XXXX XXXX XXXX. He contacted me, overnighted a check for {$15000.00} XXXX XXXX over asking price ) Wednesday XXXX. Check cleared my bank XXXX then he asked me to send XXXX to this mover, XXXX to this mover via XXXX, and XXXX via XXXX XXXX to other people. Next day, XXXX my bank put a hold on it and now Im stuck to return those funds. I contacted my bank, told them I suspected fraud and they said it would take till XXXX to determine if its fraudulent. Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had my credit frozen from XX/XX/2021 until XX/XX/2021. I unfroze my credit so that it could be run because I am in the process of renting a property. On, XX/XX/2021 I realized my scores were low and started to read my credit report. I found that there was a Collection Account originated from XXXX XXXX and going through Credence Resource Management for {$840.00}. It shows the account # XXXX was open on XX/XX/2021. This is complete fraud as I never even heard of XXXX XXXX or Credence Resource Management. I was never contacted and my credit was frozen during that time. I have contacted XXXX and will contact XXXX and also Credence Resource Management to report this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: TN
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 disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
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:
To Whom It May Concern, When I applied for a Personal Loan with Synchrony Financial, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that Synchrony Financial engaged in fraudulent behavior ( unauthorized use of credit card )

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 2021-05-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2019 I became locked out of my XXXX  website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.

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 2020-09-17
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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, this creditor has violated my rights under 15 USC 1681 Section 602 states, I have a right to privacy :15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b. A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was XXXX, XXXX, XXXX or more days late. 
Capital One Reported On XX/XX/2023 Account XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: MA
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:
XXXX - Today I received a report from XXXX  notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, XXXX, XXXX and Equifax. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On Wednesday, XX/XX/2019 was checking my credit score on XXXX XXXX  before leaving for work as i have been working hard over last couple years to get my credit score as high / in good standings as possible as i can. found that my score had dropped 7 points over night, due to the fact that We Energies the Electric Utilities provider whom services my area had removed themselves from reporting to trans union credit report. i was lead to We Energies from Trans union, We Energies Personnel began to explain that this was not the problem of WE Energies. they only changed how they billed customer and stopped/removed reporting to Trans union and other credit companies, how they they translate that information and put on credit reports is each persons individuals customers/ persons PROBLEM. This was completely shocking to me as i have been paying my bill 's on time if not early most months over the last couple of years with We Energies. ( not like a cell phone customer can just switch to a different provider after this type of treatment & and filing a complaint. we customers still have use them for our utilities, like getting abused but can't leave the abuser. ) ( WOW ) now they are more then willing to use mine and ten 's of thousands of their customers Credit scores to reduce their costs in billing, by just doing this way of removing reporting to credit companies reporting no big deal i think was the term /statement they used. ( SHOULD NOT WE ENERGIES HAVE TO MAKE THESE TYPE OF CHANGES TOTALLY AT AND ONLY AT THEIR EXPENSE NOT THEIR CUSTOMER 'S SEEM 'S TO BE IF EVEN A TRUE TERM MALPRACTICE OF BUSINESS IN MY OPINION ) To me it is completely logical for a company to reduce operation cost, however i don't believe i have ever heard that using their customers credit ratings was and except able way of doing this.in my opinion it feels like they have stolen part of their customer credit scores to reduce their billing cost. I have a question i heard that credit companies only make money on negative credit score reporting if that is true? then i'm really shocked, because i'm sure We Energies attorneys/accounting managers knowing that. doing this must have weight that as a choice factor, before deciding to just choose to take this route of make change to how they would stop reporting information to credit companies. as a risk of back lash even if not illegal just unethical. to be worth the saving to the hurt even possibly damage credit of ( people and families ) customers to be worth their $ $ savings more important!

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