BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On this date, XX/XX/17, I called the XXXX branch of US Bank in Oregon ( XXXX ) and spoke with XXXX. An individual is planning to purchase a farm implement from us for a sizable sum of money. He was planning to pay in cash, which would generally be our preference, but in trying to avoid potentially accepting counterfeit currency, I asked that this individual purchase a Cashier Check at U.S. Bank, send me a picture of the check in advance and I would then look up this bank branch 's phone number so I could call and verify that the bank did indeed issue the check on this date so I could feel comfortable that I would be avoiding accepting a potentially fraudulent check. XXXX at U.S. Bank refused to assist me. She said they no longer verify checks over the phone for customer privacy issues. I asked how I was to protect myself and she said bring the check in. I told her the gentlemen is n't going to give me the check without my releasing the farm implement, in addition to the fact that I work and he lives over an hour away ; we ca n't complete the transaction during banking hours. In checking internet sources, my calling is supposedly a way in which I should be able to verify the authenticity of the Cashier 's Check and protect myself. In fact, calling was recommended on more than one site! I told XXXX I have a picture of the check with the check number and that I just needed to verify the check number and amount of the check. Again, she refused to help. This feels very frustrating that this large bank refuses to simply verbally confirm the issuance of a check so that I can feel confident that the check is not forged or counterfeit. In this era of rampant fraud and deception, it just seems like a bank should be able to simply confirm if they issued a check, payable to me, based on details such as the amount and the check number which I can provide them. I do n't understand how that would be invading anyone 's privacy.

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 2020-03-06
Company: Experian Information Solutions Inc.
State: TN
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:
NEVER APPLIED FOR THESE

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 2021-01-29
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nationwide Recovery has ceased collection on XXXX XXXX account for XXXX. XXXX  has not deleted it but it's been deleted from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRUIST FINANCIAL CORPORATION
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2020-05-30
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: Investigation took more than 30 days

Complaint:
I disputed several collections on my credit report and asked equifax to investigate. They came back with verified but they never investigated it. When I complained I was told I needed to contact the " collection/creditors '' myself to get more information. So I sent certified mail with signature return letters asking for documentation or some type of validation, a contract or signature or any type of details that proved this belonged to me. I got a bill instead. They offered no proof or details what so ever. So I contacted Equifax again and sent all the documents from the certified mail, to the signature cards, to the responses and they sent me back a response that they updated the accounts. I had told them that these companies are refusing to give me any documentation or proof of these so call debts and that I need them either to give me proof or documentation and method of verification and they said it was up to me to prove they weren't mine. How can I prove a negative? The ones reporting should have to prove and provide their method of verification. Equifax has me jumping through hoops and not providing any resolution on this. When I called them I got a XXXX XXXX XXXX which is part of their company. I asked and asked for help with this matter and all they wanted to do was sign me up for their services. They would take care of it if I paid them money. I refused and demanded to talk to Equifax. After 3 different phone numbers I finally talked to Equifax that said they  couldn't do anything that I needed to contact the collection/creditors. I explained I already had done that and they wouldn't provide any information. I was then told once again that it is up to me to prove these do not belong to me. A run around. The same XXXX over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our new mortgage servicer, AmeriSave, failed to transmit our property tax payment to the County of XXXX within a timely manner. As a result, penalties were assessed, which the servicer agreed to take care of. However, they then forwarded payment for our taxes to the County three times for the same dollar amount. Now they are increasing our monthly payment and the loan principal without consent, and due to their error.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
This is the third and last time I attempt to fix this with transunion. They are still allowing XXXX XXXX XXXX to illegaly collect a debt that is unenforceable and uncollectable. My previous disputes have simply been automatic responses from both companies and a proper investigation was never done because of it was, transunion would have found out this debt is illegal and unenforceable. This account still remains on my credit report and because of that, I will be filing a lawsuit against transunion and I will seek punitive damages as well since I have a letter from a creditor denying me credit due to this illegal account on my credit report. Ive attached the laws and statutes that transunion has broken and a letter from the Florida office of Financial Regulation that support my case.

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 2019-03-05
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to resolve this matter with XXXX ( and now XXXX XXXX XXXX ) since XX/XX/2017. I disputed it several times. It was finally removed from my credit and now has been re-reported this month. I have attached ALL notes including reference # s amounts, dates, names of my attempts to fix my bill, which was not handled by XXXX. The bill accumulated over the course of 6 months, while my services were shut off ( and still were being billed monthly ). I do not owe a single dime to this company. I was overcharged on a bill. I attempted to correct it. It was not corrected over and over and, over again. Because it was not corrected, I refused to pay the charges that were not owed. I was promised correction, calls back, and never received either. I finally gave up and had no choice but to not pay the accumulated bill. I am owed reimbursed hundreds of dollars it cost me to upgrade my hotspot on my cell service for months in order for me to work from home. This is the second time I have had to upload all of these documents in dispute. If it is not handled, I will be getting an attourney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX reported a late payment on my credit report! 

In accordance with the Fair Credit Reporting Act XXXX account XXXX and 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 account without my written instructions!

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 went to the Capital One web site to apply for XXXX XXXX XXXX. By the time I finished the application, I realized it was for a credit card not XXXX XXXX. I already have a Capital One Venture Card and dont need another. Every time you apply for another credit card, it damages your credit score. This is a highly deceptive practice by Capital One. Please remove this inquiry from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
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:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXXXXXX 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 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 2023-07-07
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. I was tricked into signing an ARM/ Adjustable rate mortgage by : XXXX XXXX LOAN OFFICER Phone : XXXX Email : XXXX XXXX : XXXX LOAN ORIGINATOR COMPANY IDENTIFIER : XXXX State Licenses : MI LENDER CASE NUMBER : XXXX We had discussed that my " 80/20 '' mortgage was in fact, 100 % fixed rate and that unfortunately was not the case. My payment has we About an hour before the closing time she called and said that she can not make it but the paperwork was there and all correct. This I realize now was all part of her plan. 

My XXXX loan payment has went from the original : {$1000.00} ALL THE WAY UP TO : {$2600.00} When the first monthly bill increased I contacted XXXX about it and she said : " XXXX, that can not be correct, the mortgage company can not just raise your payment... .. '' I emailed copies of the bills to her company email, sent screenshots of them to her cellphone ( as requested ) and to her and cc'ing her boss. 

They never responded ( shocker ) .... I followed up with them several times and as the payment increased to north of {$1800.00} I started calling them frantic again trying to get a resolution for their mistakes/lies/fraud but they never even contacted me back with a resolution .... 

XXXX had assured me that the rate was FIXED at 3.990 %. 


If we can not resolve this situation then we are likely going to loose our home as that is an extreme increase in the monthly budget. 


I am not certain which other details and or documents would be helpful but I would really appreciate a response of some kind regarding this matter so that I know how to proceed. 

Thank you in advance for your time, help and consideration regarding this truly unfortunate situation as I have a XXXXXXXX XXXX XXXX XXXX and a pregnant wife who is extremely stressed ( as am I ) about this situation and we are scared for out wellbeing. 


Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my apartment in XXXX, Fl back in XXXX and cancelled my electricity before we moved. Time flew by and I forgot to pay my final bill. I recently saw a collection through the company Helvey & Associates go on my credit report and immediately disputed it. I called the company and asked for information and asked why I was never made aware of it. They told me they dont ever call and they told me they sent a letter to my old apartment which I no longer lived at and had no access to the mailbox. I asked for the collection to be taken off my credit report and I would pay the full amount of the debt but the lady I talked to kept repeating that it was my fault and they wouldnt remove it, all while I was trying to resolve the matter and settle this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: LTD Financial Services, L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Personal information incorrect

Complaint:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reach out to Experian on multiple occasions. I have asked them to remove/delete the outdated tradelines that they are still reporting on my credit report. I have advised them that the tradelines were remove by the other bureaus due top the accounts being OUTDATED AND OUT OF THE STATUED OF LIMITATIONS TO REPORT. 


XXXX- outdated XXXX XXXX- outdated XXXX XXXX XXXX outdated XXXX XXXX outdated XXXX XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated 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 2017-09-22
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 complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by 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 explanation
Consumer complaint received 2021-05-29
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I stopped the application before it processed but a Victoria 's Secret employee tried to convince me to apply for their " rewards card '' and lied repeatedly to me, insisting it was not a credit card ( and when I asked " so it's not a credit card '' she told me no, not at all ). When the system asked for my SSN and the top said " Victoria 's Secret Credit Card '', I told her " But this says it's a credit card '' and she replied " Oh it just says that but it's not '' then her co-worker stepped in to say it actually is a credit card. 

Had I not been vigilant, only spoke broken English, was naive, or uneducated, I could have been deceived into applying, only to have my credit hurt by the new account and a new inquiry. I'm also getting ready to apply for a house and something like this could have stopped my application from getting approved. I feel if I were disadvantaged, this would have been very unfair, and at best it was a very deceptive act. I'm concerned about those who have actually fallen for this illegal tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Phone call after phone call all day. Being told they going to take action against us. Refusing payment when we try to make it. Saying that's not good enough we need it now period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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