BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
THIS IS NOT a DUPLICATE COMPLAINT!!! Do NOT CLOSE! 

READ below! 

We filed a complaint in XXXX and in the time it took Genesis to respond90 days! There is NEW information and concerns! 

We were told on the phone with Cfpb to file a new complaint as we could not add info to the original complaint! 

We have had multiple issues with Genesis. 
Before the first payment was due we called them to change the due date to a day of the month that would work better for us. 
The representative said it was changed. 
Then a few weeks later we received a letter that our account was past due and we had a late fee. 
I called Genesis back and they indicated the representative gave us the wrong information. 
Fast forward to XX/XX/22. I was offered a settlement by email to settle the account for half but it must be done/paid by XX/XX/22. I called and spoke to a representative and supervisor to ask if I could do this on or before XX/XX/22, they indicated it couldnt be paid any later than XX/XX/22 but said we may get another offer. 
On XX/XX/22 we received an offer that if we paid {$810.00} the account would be brought current. We paid {$810.00} on XX/XX/22. The account was not brought current. We called Genesis and they had no recollection of the letter. I filed complaints with the credit bureaus and Cfpb. 
On XX/XX/22 Genesis waived two late fees and brought the account current for the month of XXXX. 
They never brought the account current on their website. 
On XX/XX/22 they sent us a letter by us mail that they were going to then change our minimum payment from {$2000.00} to {$350.00} a month starting on the next billing cycle. They didnt honor this either. This never happened. 
On XX/XX/22 they indicated in a letter to Cfpb that they had sent the original letter regarding the {$810.00} in error. 
How am I as the consumer to know this letter was sent in error and not that it was an actual offer? Seeing as they told me the first week of XXXX that I may get another offer. 
How many other consumers did they send letters in error too? 
Why did they notify the credit bureau that it was current but not bring it current on their site? 
How many times do they get to make errors at the expense of the consumer? 
Another interesting fact is they report to the credit bureaus as the XXXX XXXX XXXX  but the letter to Cfpb says the bank is XXXXXXXX XXXX. 
Who is the actual bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: OH
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:
15 U.S.C. 1681a ( exclusions ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).

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 2022-11-30
Company: EQUIFAX, INC.
State: OH
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-08
Company: Experian Information Solutions Inc.
State: MD
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:
Consumer reporting agencies XXXX and Experian are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.

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 2021-12-01
Company: Credit Karma, LLC
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I received an email from credit karma money updating their terms. My concern is that it mentions Updating our mandatory arbitration clause that forbids class actions and precludes you from suing in court or having a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a dispute on Sunday, XX/XX/2021 to TransUnion regarding an item on my credit report. I informed TransUnion the debt had been settled and paid. I received an e-mail from TransUnion via XXXX XXXX that the debt was accurate and had not been paid. I have proof this debt has been paid and this information should be reflected on my credit report.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and concern regarding the continuous presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These fraudulent entries are causing severe harm to my financial well-being, and I am urgently requesting your immediate assistance in resolving this matter. 


I initially discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus, outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the removal of the fraudulent items. During this conversation, I was informed that an investigation was underway. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this matter promptly. 
The continued presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough and diligent investigation into this matter and promptly removes all fraudulent entries from my credit report.

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. Please help me remove tha following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Company: Experian Information Solutions Inc.
State: DE
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:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. Experian, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: NQM Funding, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received deceptive advertising from - XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL NMLS # XXXX The letter stated that, 'Your conventional loan ... has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. ' I checked XXXX XXXX XXXX site and did not readily identify any recent significant changes to their portfolio/salability requirements or guidelines as described in the advertisement quote above. 

https : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I recently opened a HELOC with XXXX XXXX  XXXX. I had an outstanding personal loan ( XXXX XXXX XXXX XXXX ) that needed to be paid off as part of the HELOC loan process- HELOC has to be in the first spot for creditors if I go into default. XXXX  XXXX XXXX ( XXXX ) issued a check on XX/XX/XXXX in the amount of XXXX. It was shipped to the overnight delivery option. I have confirmed with XXXX that it was shipped to the correct address and confirmed with XXXX XXXX that this was the correct address the check should have gone to. 

XXXX XXXX states that once checks are received, that an email is sent with confirmation, usually within 7 business days. When we hit XX/XX/XXXX, i reached out and they said that sometimes processing can take up to 30 days. On XX/XX/XXXX I reached back out to XXXX XXXX and they still did not have the check. I reached out to XXXX on the same day and asked them to research to see if the check had been received and processed. They sent a copy of the image which I forwarded to XXXX XXXX. This is where the issues start. 

The check was cashed on XX/XX/XXXX but not by XXXX XXXX. The back of the check states it was processed by Citi Bank. I sent the check image and processing to XXXX XXXX. They state they have no record of the check. I reached back out to XXXX and they stated I had to work with XXXX XXXX because they had done everything they could do because they sent the check to the correct location and XXXX XXXX touched the check before Citi Bank processed it. XXXX XXXX again stated they did not have the check and suggested I call Citi Bank since they cashed it. Citi Bank will not talk to me because I do not have a Citi Bank account and they do not help people who are not their customers. They said they would cooperate with an Investigation from XXXX. XXXX will not do an investigation with Citi Bank because they made the check was made to XXXX XXXX and stated there is nothing more they could do on their 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 monetary relief
Consumer complaint received 2023-05-01
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first contacted via mail on XX/XX/2023 from National Credit Systems INC regarding an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX. I sent my first dispute letter on XX/XX/2023. National Credit Systems then sent me a letter from XXXXXXXX XXXX XXXX XXXXXXXX XXXX with a Statement Letter and Renting Ledger. I did not believe this was satisfactory in showing an itemized list of what the debt is for so I sent my 2nd Dispute letter on XX/XX/2023 requesting the following information : Amount, the full name and mailed address of the original creditor, Documents showing they have verified this debt, documents showing theyre licensed to collect a debt in KY, documents showing I owe National Credit Systems this debt, and documents showing I agreed to this debt that it is my debt. Today is XX/XX/2023 and I have not received any documents or information I have requested and after checking my credit score, I have noticed it has been put on my credit. I believe this is an inaccurate debt that I do not owe as I did not approve this debt nor sign any documents approving this. I also believe National Credit Systems has broken my right to personal confidentiality as they mailed me a collection letter regarding this debt in question in an open, non-sealed envelope that I have kept for my records as a breach of privacy. Again, I have requested documents under my right as a consumer and have no received any documentation from National Credit Systems, since then they have posted this on my credit, and breached my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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 pulled my credit report and realized that I had damages on my credit report that is hindering me from purchasing a home. According to 15 U.S.C 1681 There should not be any damages on my report.

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 2023-04-18
Company: EQUIFAX, INC.
State: IN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-01-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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