BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.

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 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX made an inquiry on my personal credit report that had an adverse effect 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 2022-04-28
Company: Genesis FS Card Services, Inc.
State: GA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: CA
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 wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.

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 2022-08-25
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XXXX, I signed up for a US Bank checking account after looking to see what promotional offers other banks were offering. The US Bank promotion seemed the most promising, offering {$400.00}, if I were to sign up, deposit {$5000.00} in direct deposit within 60 days, and enrolled in online banking, all of which I did. On XX/XX/XXXX, I passed the {$5000.00} mark and have repeatedly tried contacting US Bank regarding the issue, but had not received a clear answer. Today, XXXX, I was finally able to get into contact with a banker, XXXX, who informed me that due to having been previously overdrafted, that I would not qualify for the promotion. There was no such indication that this would disqualify me, and as of right now, the account has a positive balance of {$0.00}. The maximum that US Bank ever allowed me to overdraft was for {$50.00}, and I would always bring the account back to a positive balance. Keep in mind, this is something that US Bank heavily emphasizes, too. That as long as you dont overdraft by more than {$50.00}, you are safe from any OD fees, etc. I would use that feature, not thinking it would be a detriment to me receiving my bonus, especially when I would always bring the account back to current. While it is stated that a positive balance is required to receive the bonus, there was no indication of when that positive balance was necessary, and I feel completely misled by US Bank, who I believe are doing all they can to not provide me with the bonus I earned, after having entrusted them with my direct deposits from my employer.

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 2017-09-29
Company: CITIBANK, N.A.
State: NY
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:
My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help 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 explanation
Consumer complaint received 2021-04-22
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, I disputed hard inquiries on my XXXX credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to Bank of America to remove the unauthorized inquiry. I then filed a CFPB complaint against XXXX  and Bank Of America on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX XXXX  replied to my CFPB complaint file # XXXX, I was informed through XXXX  reply to contact the furnisher of the inquiry. Which I did. 

( Bank Of America ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

Bank Of America did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, XXXX insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( Bank Of America ) giving me the run around back to XXXX that also did not investigate initially to see that Bank Of America can provide proof of consent according to FCRA laws.

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 2022-04-28
Company: GUARANTEED RATE 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:
On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to Guaranteed Rate. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted Guaranteed Rate about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from Guaranteed Rate. 

Instantly, I contacted Guaranteed Rate, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from Guaranteed Rate indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and Guaranteed Rate did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between Guaranteed Rate and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX, amount {$800.00}. This company has been attempting to collect on a debt that is not mine. They have sold my information to two Debt collectors within one year and because of this illegal acts, they are damaging my credit report! The new company that is now damaging my credit report with all XXXX bureaus is : Phoenix Financial Servic, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Debt amount {$800.00}. 
This company in business with XXXX XXXX XXXX is ILLEGALLY trading my information on a debt that is not mine!! And as a result of there illegal acts are destroying my credit report with XXXX, XXXX, and XXXX. Because of these predatory, illegal acts I am unable to be approved for anything due to the damage they are causing to my report. I want this deleted immediately and indefinitely from my report with all 3 bureaus, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery Col was attempting to collect for XXXX which I disputed. I informed them I did not agree with the amount but they were only interested in collecting the debt. They called and bothered me excessively but ignored my disputes which I later found out was a violation of FDCPA Section 807 ( 8 ). It was impacting my ability to rent housing so I caved in to them when they promised to delete the debt if I settled it for a lump sum. I paid the debt and they did not delete it and continue to inaccurately report it even after coerced settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I continue to receive inquiries on my credit file from chase bank. I have already reached out to chase to inform that this is fraudulent. I have an extended fraud report under all three credit bureaus that I have a fraud alert ... but yet chase continues to NOT CONTACT ME prior to extending credit knowing this is fraudulent. Every time I contact their so called fraud department, customer service claims to take care of it. I have yet to have any inquiries deleted from chase let along, more inquiries as of today X/XX/17 happening again..why is chase continuously letting someone apply for credit under my social without contacting me? This is ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Navient loan is in XXXX XXXX XXXX 's name, a XXXX XXXX private student loan # XXXX, is being reported as a defaulted XXXX loan through what is called XXXX which is there to monitor Federal debts and prohibits FHA Mortgage loans if there is a default being reported. This loan is not a XXXX student loan, this is wrong on so many levels and destructive especially at a time like this in our country. 
Navient is well aware that this loan is not a XXXX loan and that it has no association with any XXXX agency. Navient has been sued by multiple states they are very pleased to report this loan as a private loan. They are also very pleased to announce this loan does not have the protection the XXXX loans under the XXXX XXXX, and have no work out for customers for the XXXX time period. 
I actually found the original loan papers to confirm this loan as a XXXX loan. We have also finally, figured out this loan can actually be in a in-school deferment status and there should not delinquency at all during 2020 to the current date. 
Navient will not correct their reporting and will not remove the default from the Federal reporting through XXXX  and therefore, I can not proceed with getting my FHA Mortgage XXXX loan closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: National Judgment Recovery Center, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was a Judgment filed against me 10 years ago. I received a notice of a Levy from our bank account. We are retired and sick and they took the money from us. The money on that bank account was from our retirement check. The judgment was under my name not my wife 's. I have tried calling on several occasions the attorney XXXX XXXX XXXX STATE BAR # XXXX who was handling the case they never called me back or picked up the phone. I called again National Judgment recovery and they told me that they change lawyers they gave me another name XXXX XXXX STATE BAR # XXXX and to this date he has not responded. I really need help to resolve this matter. No one seems to care about our situation and this lawyer is taking advantage of this case that it is already expired. CAUSE # XXXX, XXXX I just received a letter from this attorney XXXX XXXX XXXX XXXX, 2017 saying they wont respond with a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered.

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA.

Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2017-11-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A ) supplemental payments incorrectly applied t B ) late fees compiles illegally C ) never reconciled and fraud occurred stating electronically submitted D ) interest rate and monthly payments changed without my consent E ) repetitive corrections over years to default back to error F ) just learn that it was not consolidated to a Federal Direct Loan Program where my years Public Service is not eligible for Loan Forgiveness with the U.S. Department of Education.

Company response to consumer: Closed with explanation