BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-26
Company: HireRight Solutions, Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Criminal record for XXXX in Texas is listed on my consumer report. This is for a male. I am a female and have never been to XXXX. I 'm not sure if this person hacked my information but I have seen this show up on my account for a male with all my information and I am a female from XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CORELOGIC INC
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:
1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - XXXX never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the 203k loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. Credco - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : 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 2021-09-29
Company: Credit Technology, 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:
1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. Credit Tech - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Dyck-O'Neal, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : 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

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 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i disputed two accounts one for {$1000.00} and the other {$4600.00} from the same company that was reporting on my credit report which i send by certified mail usps on XX/XX/XXXX which the company received both letters on XX/XX/XXXX. 
under the fair credit reporting act they have 30 days to investigate and furnish the credit bureaus with the required disclosure within the period required by law. i pulled my report to find that they did not do so. they fail to mark both accounts disputed with all credit bureaus not only that the last date of active shows 3 different months and showing the year of the last active as XXXX and on both accounts, are showing different account numbers. and knowing that they failed to furnish the accounts with the bureaus within 30 by law it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone tried to acces my credit report discover card and jpmbc contacted me about it i never applied for any new card or credit line increase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged bank acct wrong day or amt

Complaint:
There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX. 
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago. 


I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-XXXX-Date of XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Capital One credit card. I paid off my balance on XX/XX/2022. I had a XXXX balance for the rest of the month and I did not use the card for any purchases. 

On XX/XX/XXXX I logged into my account and saw that I had a {$2.00} interest charge. After viewing the statement the it said {$100.00} was subject to interest even though my balance was XXXX. 

Additionally I have auto pay set up on the card and the {$2.00} was not paid automatically. When I called customer service they could not give me a clear answer as to why I was charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016. 

I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was contacted this morning by someone named XXXX XXXX at a company he called XXXX XXXX XXXX. I was told to call another number, XXXX. A women from that number told me that they had a case in my name which originated with Ace Cash Express but said although Ace had already written off the debt, there is a third party lender that is pressing charges and that the States Attorney Office had already signed off on the case. I contacted the States Attorney and was informed that they had no such information or case under my name and info and she also said that this type of situation has happened before and that this is a scam. She also informed me that they could n't put me in jail for a debt but that they could sue me. Since this debt is over 6 years old and I have moved at least XXXX4 times since then, also phone numbers have changed, I 'm confused as to how they obtained my current information. This scares me, not because of an old unpaid debt, but rather how my info can be so easily obtained. I also do not appreciate being told that if I do n't respond within an hour, they will come and arrest me even asking if I have any large animals. All phone numbers involved this morning were, XXXX, XXXX, XXXX. I 've done a reverse lookup on all phone numbers with no results for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I replied to an email from the collection division of XXXX XXXX XXXX, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my Experian credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.

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 2015-05-01
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I received an invitation to apply with a code to enter from XXXX. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in XXXX or more years. Also, I currently have several cards issued by their bank, XXXX. When I was not only not immediately approved but got the " we 'll let you know in 7-10 days '', I was kind of upset. However, when I did get the letter from them, it stated flatly that I was denied because I had had a bankruptcy in 2008. When I called and emailed XXXX, I got a generic answer. Of course companies are certainly entitled to choose who they want for customers. My concern is that they did not state, not even in the fine print on the offer that people who had bankruptcies need not apply. If that had been the case, as in the instance of XXXX, that asks that question before even accepting an application, of course I would not have bothered. So that 's XXXX thing I think that is unfair to consumers ( and I wo n't even mention the fact that hundreds of banks have had their own financial troubles! ) as is the practice of having different criteria in the same institution. I have XXXX cards issued by XXXX and they have high limits and low balances. So, in addition to the embarrassment of having been denied credit, I have the dreaded hard inquiry on my credit which I have so carefully reconstructed after divorce forced me into bankruptcy years ago. In the interim I have been able to buy a car and a home so this hurts. And it was not stated at the outset that people who have had bankruptcies should n't bother. Can uniform standards among these companies be established? It is bad enough that they change interest rates with impunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation