BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint due to the frustration XXXX XXXX and myself had in getting a payoff for our mortgage. 

XXXX XXXX XXXX XXXX XXXX called Selene Financial on XX/XX/XXXX, requesting the payoff amount for our mortgage loan. They were told that the information was unavailable due to the fact that they had only started servicing the loan on XX/XX/XXXX but the information would be available on Monday, XX/XX/XXXX. However, when XXXX XXXX called on Monday they were told that the information was still unavailable but they were attempting to get it by later that day. Every day that week, several times a day, XXXX XXXX called for the information only to told that the information was still unavailable but Selene would call with the information later that day or the next day depending upon the time that XXXX XXXX call. 

On XX/XX/XXXX, I called Selene and was told that information was unable due to the transfer of servicing the loan. They were aware of the problem and they were working on it and would supply XXXX XXXX the information as soon as they had it. For every question I asked, I was repeatedly told they were working on it. It was like they were working from a script and would not deviate from their specific verbiage. On that same day, I called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, to ask for any assistance they could give me so Selene would get the payoff information to XXXX XXXX. I was told that the matter had been escalated by Selene and they would do the same. 

On XX/XX/XXXX XXXX XXXX again call and were told the same thing, they could not access the information. That afternoon, XXXX XXXX told Selene that they were ready to report them to an agency who handles complaints regarding matters such as these. Within 5 minutes, Selene called XXXX XXXX with the needed information. 

With computers, even with the transfer of the mortgage from one company to another, it should not have taken this long to get the information. 

I feel that XXXX XXXX and myself were given the run around from Selene during this time and they were not trying to get the information we needed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Gramm-Leach-Bliley Act ( GLBA ) is being violated by this company ( Please see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: LA
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:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2019-08-14
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 I opened a dispute with cash app company for 3 transactions, {$49.00}, {$110.00}, {$61.00} I received a response from cash app company asking for more information and if I contacted the merchant to request a refund, I responded XX/XX/2019. I was issued a refund of {$49.00}, 2 transactions have not been received. I have been emailing cash app every day or other day asking about my 2 transactions, I received a email XX/XX/2019 asking me to submit the exact same information already submitted over 30 days ago. This is unacceptable I want my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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 status incorrect

Complaint:
disputed this account with all three bureaus with no resolution when bureau states, the account is only a XXXX month term payment of {$120.00} with a total balance of XXXX from opening to close this is false I got a response saying that it has been corrected with no update I asked for it to be removed. I would like it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. 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 2023-09-09
Company: CL Holdings LLC
State: LA
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:
This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX AT XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-30
Company: EQUIFAX, INC.
State: TX
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 and XXXX are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX  - partial account number XXXX. ( Please see page 13 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, Equifax and XXXX have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Receivables Performance Management, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I received a letter from XXXX XXXX XXXX which described a bill in the amount of {$1100.00} for equipment that was purchased using My identity but shipped to some place other than my address. I explained that I did not order or receive services from XXXX and someone used my identity fraudulently to make this purchase. They asked me to make a police report which I did to the XXXX XXXX  police dept. To my surprise This amount was turned over to collections XX/XX/2020. I called XXXX  and they said I had a XXXX Balance it was not them since I had disputed the matter. I researched and found receivables performance management was the company that XXXX used to have my account sent to collections. I have tried to call and they don't want to talk with me. I have placed a freeze on my credit to eliminate this problem from happening in the future however I still have a collection debt showing on my credit for which I had nothing to do with and do not owe this debt due to identity theft. As a resolution I would like the collection removed completely from my credit records as if it had never happened.

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 2023-06-29
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted Transunion, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were several transactions " pending '' in my account and not yet posted, however a deposit posted, yet the bank still charged me for " pending '' items although my account was not truly overdrawn. US Bank charges by " Account Available/Pending '' vs. Account Balance. I asked, what if several transactions did not post, yet you still charged? US Bank stated that they would still charge. If I have proof of items that should not have been pending, then they would make a decision. I spoke with the following representatives : XXXX, XXXX & XXXX { Manager }. XXXX was by far the most professional, however she was not able to resolve the issue, so this matter is still unresolved. They overcharged me by {$320.00} in fees due to their " unique '' policy. This seems as if their policy would violate banking policies since items did not yet post, however the clients are still being charged. I do have a financial background and XXXX and I did discuss this in detail, however it appears as if US Bank is " FEE Happy ''.

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 2023-09-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
COLUMBIA DEBT RECOVERY Account XXXX XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the debt on XXXX XXXX. Still reporting to .y credit report. 

National credit audit. 


Original creditor XXXX XXXX XXXX {$1700.00}

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 2018-08-25
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone.

Lendmark posed as me, and authorized the payment without my consent. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/18, I contacted Citicards to stop an automatic recurring charge for a monthly lawn service. I cancelled my lawn service but can not rely that they will follow-through and cancel the recurring charge. I should have control over my credit card account to stop any recurring charge. I was told by XXXX on Team 13 that Citi 's policy is that an individual recurring charge can not be cancelled for the protection of the merchant and that I can dispute future charges if the merchant does not stop the recurring charges. I was also told I could stop all recurring charges, just not individual ones. I am surprised that I do not have the authority to stop recurring charges. The dispute resolution process is not a viable solution - what if the lawn service never cancels the recurring charge? Must I dispute the charge every single month?

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 2023-09-07
Company: National Credit Systems,Inc.
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to NATIONAL CREDIT SYSTEM. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2020-12-15
Company: MECHANICS BANK
State: MN
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, MECHANICS BANK, on XX/XX/2019, XXXX XXXX and on XX/XX/2019, XXXX XXXX XXXX XXXX XXXX ( the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation