BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Ygrene Energy Fund Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
My name is XXXX XXXX and I am the Successor Trustee of the XXXX XXXX XXXX XXXX of XXXX XXXX, deceased. XXXX XXXX contracted with a XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX to perform several projects at her home that were never done. XXXX was securing funds from a company called XXXX. The project file numbers with YGRENE # XXXX and XXXX. The XXXX projects total approximate $ XXXX and a special tax lien has been placed on the property. In researching the situation none of the repairs were done. I contacted XXXX asking for help in resolving the problem and was told that I needed to speak with the XXXX. I ask them to contact the XXXX with me on the phone. They couldn't and neither could I. Then they told me to get a copies of permits pulled to do the work from the city. I contacted the City of XXXX and was advised there were no permits pulled. I then asked for copies of the checks where the contractor was paid. They refused. in doing additional research I found that this is not uncommon for XXXX and that many customers have been scammed by this program. I have multiple emails and additional information available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
1 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXX XXXX  XXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection  {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, XXXX and Transunion.

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 2020-07-21
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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had purchased furniture from XXXX and XXXX. They use genesis financial services. When I received my account in the mail, I went to put in an online account. It would not take it I called. XXXX and XXXX had entered the correct Social Security number. I have verified that it was somebody on genesis side that had put it in incorrectly ..They said that I had an incorrect Social Security number. They said the only way that that could be rectified is if I sent in a copy of my drivers license and or a copy of my Social Security card I received a letter on XX/XX/XXXX. I did send in a copy of my drivers license along with a copy identifying me in my account then on the XXXX I received another XXXX stating that I had 30 days to send in my Social Security card I fax that over, that was the only way they were able to correct the error with my Social Security number. It was the last XXXX digits. I received a letter today stating they did receive it however, due to the inconsistencies of the last XXXX digits of the Social Security number, they closed my account. I have done everything that they had asked me to do and I find it appalling that they would just go in close my account. I did speak with a gentleman today who said that someone did try to call me on XX/XX/XXXX however, I never did receive a message if I had I certainly wouldve called back. Ive been dealing with this now for almost 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
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 balance transfer

Complaint:
On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can you?

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 2023-07-18
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
My car 's engine died on XX/XX/XXXX I was waiting for the dealership to tell me whether or not they will cover the engine. I let one main know that the cars engine was not working and that I was waiting for answered to see if it would be covered and repaired after finding out it would not be repaired. The person told me all I needed was a letter to say that the car was not working and that they will switch the loan over to a personal loan. When I called back to have that done she told me that they were not going to do that. She was going to take the car, sell it, get what they can get and pick the loan and to repossession status and I'm not sure why. I never told them I would not pay but I told them that the car did not work and that I couldn't continue to pay the {$530.00} on the loan with having to get a new car and asked Could the monthly payments be lower but I have not received the answer. My car at this point is only worth XXXX and I owe XXXX on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: IL
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: Received unwanted marketing or advertising

Complaint:
On XX/XX/2023, I placed a credit freeze with each of the three national bureaus. Each of the bureaus required me to create an account with them to implement the freeze. At that time, I unchecked any boxes that would have allowed the bureaus to send me marketing communications or offers. Since that time, Experian has been sending me unwanted marketing communications and offers unrelated to implementing the credit freeze. 

For example, on XX/XX/XXXX, Experian sent me an email entitled " Instantly increase your FICO Score ( yep, you read that right! ). '' This is clearly an ad for Experian 's Boost product offering. However, Experian maintains that I can not opt-out of this communication because it is " related to my account ''. The footer of the email reads " This email was sent because it contains important information about your account.... you will continue to receive email notifications regarding your account. '' Again, on XX/XX/XXXX, Experian sent me an email directing me to " See your latest Experian credit report, FICO Score and other updates '' ( I have to assume, at an additional cost ). Similarly to the XX/XX/XXXX ad, the footer of the email reads : " Why am I receiving this email? This is not a marketing email - you're receiving this message to notify you of a recent change to your account.... You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but you'll continue to receive notifications like this one on the status of your account. '' Contrary to the representations within the email footer, the purpose of the email is clearly to entice me to purchase another product from Experian. The email is unrelated to my credit freeze and addresses no change affecting my credit freeze. 

Consumers should be able to implement a credit freeze without receiving daily emails from Experian advertising other Experian products. There appears to be no way of stopping these emails, other than to delete my Experian account. Even if this was possible, I would then have no control over my credit freeze.

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 2022-11-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account is setup with automatic payments. I attempted to update this on XXXX XXXX XXXX to debit on the XXXX XXXX every month instead of the XXXX using Rocket Mortgage 's website. I never removed automatic payment. 

I noticed this caused a late fee on XX/XX/XXXX the following month - so I spoke with customer support and asked the payment to be updated for the XXXX of every month so there are no farther late fees. He told me the account was updated/ resolved after changing that month 's payment to include a late fee. So I left the conversation feeling like my account was ok. 

The following month - no payment was processed at all because auto payment was apparently removed from the account. This was not resolved until I noticed on XX/XX/XXXX because of credit damage. 

I was told I was contacted by phone before the account was ever late- but never received any phone calls. I can prove this with telephone statements. 

I can also prove that there was sufficient money in my account during the time for autopayment to have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. The INCORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
have been trying to call comenity capital credit card XXXX for 10 days and staying on phone for 3 to 4 hours now the company has stopped my credit card i pay my bill and i was trying to dispute a charge i sent the credit card company a letter trying to dispute the charge that is when my card was stopped this card is a XXXX tried calling them no help.it is also connected to bjs wholesale club.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: OH
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:
Equifax is deliberately lowering my credit score for no reason except to keep me from obtaining credit products and I actually have proof I am trying to build my credit score and its actually going up until recently Equifax lowered my score XXXX  points one day next day they lowered it XXXX points as soon as my score reached XXXX boom they hit me with a total loss of XXXX points in total and for no reason all of my credit cards are paid on time never been late my utilization is 49 percent and going down but yet they absolutely refuse to let my credit score rise by deliberately lowering it without giving me a reason thats one huge complaint second yes I have a few old debt accounts but yet there past my states statue of limitations ohio recently passed a revised bill that makes accounts XXXX XXXX XXXX not collectible and 4 years on no contract binding accounts so I disputed them thinking Equifax would follow the law but no there not so I have 2 big complaints against Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion credit reporting agency refused to report mortgage with XXXX. XXXX is reporting to all three credit bureaus.

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 2018-08-19
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In the attached document is the certified letter sent to SERVE American Express per the address given in the " closed my account '' email I received on XX/XX/XXXX ( also in the attached document ). This letter was sent on XX/XX/XXXX and signed for on XXXX XXXX XXXXXXXX is the tracking number from USPS ) The information provided will describe that Serve has closed my account for what a merchant said was fraudulent activity. This is totally inaccurate and I have been unable to have access to my {$2500.00} that they have been holding since XX/XX/XXXX. 

About my 4th follow-up with SERVE, I again followed up at XXXX, on XX/XX/XXXX, at XXXXXXXX XXXX  since I had not heard anything from the company since they received my letter. I was on the phone for 45 minutes and spoke with XXXX and then a supervisor named XXXX. Both of them entered an email to be sent to the review team. XXXX let me know someone would be getting back with me on the XXXX or XXXX of XXXX. XXXX specifically entered the details that are attached. He could not see details nor see that a certified letter was entered into my record. 

There is still no response from SERVE on the XXXX so I phoned again, the XXXX number and immediately asked for a supervisor. XXXX, said there is nothing she can do accept wait. I can no longer wait for the {$2500.00} that is mine that I have no access to get or see. Thankfully, XXXX ( mentioned in the attached ) was able to confirm there is still {$2500.00} in the account, although that was over a week ago. 

I would be most appreciative for some help with this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
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: Account information incorrect

Complaint:
XXXX XXXX OPENED XX/XX/2021 IS BEING REPORTED AS OVER THE LIMIT. THIS IS NOT ACCURATE. PLEASE UPDATE IMMEDIATELY!!!

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 2023-08-10
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This a consumer complaint being submitted by XXXX XXXX for the notice of adverse action provided to the claimant on XX/XX/2023 by Upstart Network in regards to a {$50000.00} personal loan finance application. 

The financial lending company Upstart is in violation of CFR 1002 of the Equal Credit Opportunity Act by denying the consumer 's rights when the consumer has clearly shown creditworthiness as an applicant with a valid social security number. 

Consumer should not have been denied any extension of his own credit when the consumer has shown his creditworthiness, evidenced by his ability to contract on this finance application ; CFR 1002.1 ( b ).

All the proper fields were submitted to make this a valid application under CFR 1002.6. There should be no reason for the denial on this application for being " incomplete, '' unless it was done so on a discriminatory basis. Any factors other than the creditworthiness of the applicant that contributed to the notice of adverse action are not valid reasons for the denial of this finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My HOA, XXXX XXXX, who is currently managed by XXXX XXXX XXXX and represented by XXXX XXXX of XXXX  and XXXX  are attempting to collect years worth of discharged bankruptcy dues. They are further causing severe economic hardship, as they have stalled and are preventing me from selling my home, which I can not afford and was also included in the bankruptcy. My past due HOA dues were discharged in  chapter XXXX bankruptcy on XX/XX/XXXX, but the HOA continues to attempt to collect dues that were discharged for years XXXX through XXXX to this day. Despite the dues not being owed until late XXXX, they also referred my file for collections to an attorney. I have provided them notice of the chapter XXXX with the filing, once discharged, and again to their attorney directly on XX/XX/XXXX. The HOA now refuses to provide an updated balance statement removing the discharged dues, including through their attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation