BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1 ) INDIGO the company mailed me a letter dated XX/XX/XXXX regarding a renewal fee of {$120.00} on XX/XX/XXXX. Then INDIGO goes on to tell that If i want to avoid paying the {$120.00} fee I must notify them and close my account with in 30 days. It's impossible to notify them within 30 days since they just mailed a letter XX/XX/XXXX. They are crooks! That would have only given me 3 three days to notify them. I just received this letter today XX/XX/XXXX. I want INDIGO to close my account effective the date you mailed me the of XX/XX/XXXX not XX/XX/XXXX. I WILL NOT PAY THE FEE CLOSE MY ACCOUNT IMMEDIATELY. I filed another complaint with the Attorney General Office. I will pay my balance on my account of {$420.00} and close my account. I refuse to pay the renewal fee of {$120.00} that I just received on XX/XX/XXXX. 
YOU MAILED ME A LETTER DATED XX/XX/XXXX DENYING ENROLLMENT INTO A DISASTER RELIEF PROGRAM THAT I NEVER INQUIRED ABOUT, TALKED ABOUT, CONSIDERED, NEED, OR CONTACTED YOU ABOUT. SO HOW IN THE XXXX I GET THIS LETTER? 

2 ) I have Not contacted INDIGO to enroll in their Disaster Relief Program. Where INDIGO is getting this fraudulent request from because it was NOT me? For real who is fraudulently accessing my information and discussing disaster relief plans with INDIGO? 
I DID NOT CONSENT or AUTHORIZE an application to enroll in a Disaster Relief program. I did NOT contact INDIGO discussing my finances never. I NEED INDIGO TO SHOW ME THESE alleged applications, calls, or letters. INDIGO can NOT because they do not exists. this will make 4 different ones on four different violations you the CFPB and an ATtorney General report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions 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:
After carefully reviewing my Experian credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXX XX/XX/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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft

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 2022-01-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My mother and I have a checking account that was frozen for no reason. The bank said the account was being closed and our funds were frozen for two weeks. When we called the main office we sat on hold for an hour, then when we asked for a supervisor we were put back on hold and hung up on.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-07-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/19 I deputed victory secret and XXXX I wrote sprint telling them I never had a contract with the company, it was a refurbished phone. I paid cash for the phone. Victory Secret account they didn't respond too pay plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: WA
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:
In the course of applying for a job, I discovered a collection account on my credit file from XXXX XXXX   XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XXXX and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and XXXX, and after speaking directly to a representative from XXXX XXXX XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX XXXX XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX XXXX  XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX XXXX XXXX, failed to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX  on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX  on XX/XX/XXXX 5-XXXX XXXX XXXX   on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX   on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX  on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On EXPERIAN : 1-XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX  on XX/XX/XXXX 9-XXXX XXXX/XXXX  on XX/XX/XXXX 10-XXXX/XXXX  on XX/XX/XXXX On XXXX : 1-XXXX/XXXX   XXXX XXXX  on XX/XX/XXXX 2-XXXX XXXX XXXX on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX  on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX   XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-01-06
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2019-07-19
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification end of XX/XX/2019. I was informed via a letter that STATEBRIDGE had a complete package and in 30 days I would receive an answer. I did not receive ANY ANSWER from them. 

Furthermore, I called onXX/XX/2019, I was told to send an email to loss mitigation. I sent the email and received no answer. On XX/XX/2019, I spoke to XXXX, still no information available to me, and no answer. 

The woman who is working on my file is XXXX. She has put no notations on my file, so I can not obtain any information. Furthermore, XXXX says well your current on your mortgage. What difference does that make if I need assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Accelerated Financial Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit monitoring alert that a collection was place on my credit report. The collection agency name reads Accelerated Financial Solutions LLC. The original creditor reads XXXX XXXX which I assume is XXXX. The account was opened 6 months ago on XX/XX/207 and reads as an open account. The amount owed reads {$180.00}. There is no account number given just the information I provided above. This is a fraudulent account! I NEVER opened a account or requested services from this company. This is fraud! This fraudulent account has caused almost a 40 point drop to my credit score. Please assist me in getting this matter resolved as I am planning to go for a home loan within the year and will not be able to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: TX
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 have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX XXXX and Equifax are not reporting this account, XXXXn is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and Equifax are not reporting this account, XXXX is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX ( XXXX XXXX Account Number : XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX XXXX and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A verification of debt letter was sent to agency and no proof or verification of debt was provided in response. They sent detailed medical records, which is a violation of my privacy. I did not sign a XXXX release form to authorize access to medical records. Also, my name is mis-spelled incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: WATERMARK CAPITAL, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Watermark Capital serviced by XXXX. The first payment was due XX/XX/2019. I make payments through a bill payment service. When I did not see the first payment post at the XXXX website, I made a payment directly through their website to insure I was not late on the first payment. Turns out myloancare was just slow in posting the payment made through the bill payment service, so it ended up that I made the first payment twice. 

In early XXXX, I noticed that rather than applying the second payment to principal, they applied it as if it was early for the next month. They also applied the impounds to the next month, rather than to the principal. 

Since early XXXX, I have spent hours waiting on hold, left messages that were not returned, and have spoken with five agents - XXXX, XXXX, XXXX, XXXX - a manger, and XXXX. Each of the agents said the issue would resolved in some number of days ( varied among agents ) or that I would get call back by a manager. In each case, nothing was done and there was no follow-up. 

I am writing to see if a complaint to CFPB may help me get some action on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: NJ
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've called Experian Dispute Center via telephone number XXXX on Monday, XX/XX/2021 at approximately XXXX EST and Talked to a Specialist by the name of XXXX XXXX 

I've asked XXXX, how Experian scores are calculate and how it arrives at XXXX XXXX score on my report, when both XXXX and XXXX are showing a XXXX score of XXXX and XXXX  respectively. I asked her, how could the scores are so far off when the other Credit Reporting Agencies has the same information! The specialist couldn't provide an answer nor a specific link from its own website. And when I asked to be transfer to a Supervisor or a Manager, she just said " there's no one to speak with besides me ''. 

Furthermore, I asked her if debt to income ratio is under 4 % and my credit utilization is under 3 %, how do you explain such a low score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
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 learned on the morning of XXXX XXXX, 2017 that Equifax had been a victim of hacking and lost over 100 million customers personal information, one-third of the U.S. population. My information was included in the list. The company improperly protected and stored my information. This leak will follow me for a lifetime and a single year of monitoring service is an unacceptable response/payment for the harm that could come to my financial standing for the rest of my life.

Company response to consumer: Closed with explanation