BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
I applied for financing with XXXX XXXX through this company and was approved for {$1000.00} for a procedure that was scheduled for in the future. I was not made aware that the dental office would be charging the entire amount that same day even though my procedure was scheduled for a later date. I should not have been charged until service was provided. I still have yet to have the procedure done and am carrying a balance which shows on my credit report as of today in the amount of {$820.00} when it should be {$0.00} balance. I've called XXXX three times and which I am currently on the phone with the fraud department and am being transferred to a " specialist '', however got transferred to a Customer Service Rep yet again. I received a call from them earlier today and not sure why but I keep receiving calls as if I'm late on a balance that shouldn't exist. Each time I've called I've been told that it is under investigation, it's been over two months, they state it takes 60 days for an investigation to be completed. The request was put in on XX/XX/18. I would like for XXXX to report the accurate balance on my Credit Report or either rescind this contract. When I requested information about rescinding this because of the lack to resolve this issue as well as lack of customer service I was told I couldn't flat out and I know that goes against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire at my property. On XX/XX/XXXX I contacted the servicer of my second mortgage ( LoanCare ) because their name was on the insurance checks that I received from the insurance company that totaled {$71000.00}. I was told by the Representative that I should send the endorsed checks to their office with a return envelope and they would endorse the checks within 2 business days and return them to me so I could forward them to the first mortgage holder ( XXXX XXXX ). On XX/XX/XXXX I followed up with Loan Care and was initially told that they were going to cash the checks and administer the process of releasing the money to the contractor. I reminded them that they had told me on the XXXX that they wouldn't administer the claim because they were the 2nd mortgage holder. The representative then said that she was mistaken and that they won't be administering the money but that they needed the instructions and claim information from the first mortgage holder. I forwarded that information that day and it was signed for by their office on XXXX XXXX called them again in early XXXX and was initially told that they hadn't received the information but after giving them the tracking information they acknowledged that they had it and the checks would be endorsed and returned to me within 5 business days. I contacted them again 10 days later and was told that they cashed the checks and that they would distribute the money directly to the first mortgage servicer but that because of the amount of the checks they needed, but hadn't received, the necessary authorization from their manager which they had requested 9 days earlier. They refused to put me through to a supervisor and instead brought a resolution specialist on to the call who said there was nothing they could do and I had to wait for the authorization. It is now been over 2 months since they received the checks and they still haven't released the money. The contractor has stopped working because he hasn't been paid and the house is not habitable in its present condition. I have continued making the payments but it has been a financial burden.

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 2021-03-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THE FOLLOWING VOICEMAIL THAT IS ON MY PHONE REPEATEDLY EVERY SINGLE DAY, THIS COMPANY CALLS AT SEVERAL DIFFERENT TIMES OF THE DAY EVERYDAY. This is what the message says : Hello this is Chrysler capital please respond promptly by accessing your account online at my account.chryslercapital.com or by contacting any of our servicing department representatives at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX central time Monday through Friday and XXXX XXXX XXXX XXXX XXXX central time on Saturday this is a recording I do not have ANY affiliation with this company. Maybe they are looking for the person who had this very same phone number that I now have. It is a mistake, and I want them to stop calling me! Ive blocked them, and they still leave messages on my voicemail everyday!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good Afternoon, The below inquiries were made without my permission and have been affecting my credit score for the past year and a half. 

XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX  XXXX   XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017 I have tried for the last year to have these inquiries removed and have been subjected to a non stop runaround from both the initial inquiry creditors and the credit bureaus. I believe that my ex husband had used my credit information to try and buy a car in XXXX/XX/XX/2017 but was unsuccessful. I have called the creditors and been told to dispute this with my crediting company however Transunion refuses to remove these inquiries without some type of removal letter. When i called the creditors to obtain this letter they informed me it does not exist and they refused to send confirmations for removal to Transunion because they would have to admit fault in a hard inquiry placed without my explicit permission.I just got off the phone with a transunion customer representative AGAIN and their issue is the same. That I can not file a dispute with them to remove these inquiries without written confirmation from the creditors, which they will not give me. 

Please help me, These numerous hard inquiries are ruining my credit and I do not know what else to do. 

Thankyou

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 2023-07-15
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a text message starting that there was a problem accessing a Chase account due to an issue with XXXX. I do not have a Chase account. My XXXX account is linked to a different bank and has no current or pending issues. The text message provided a link to undergo verification procedures and prompted me to respond with XXXX if I not longer wanted to be contacted. This is by far the most convincing text scam I have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it. 
While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o. 
I hereby grant your Company, the opportunity to remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation

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 2023-07-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX Honda financial services Some time ago I tried to reach a payment agreement with this company they called me and no agreement was reached then I called to return the car and I still have no answers they said they would contact me and to date they have not, I want know where I should return the car and that it does not cause me more economic damage and even though now I will not be able to pay more in the future you will be harassing me with the remaining debt since I am sure that in the auctions they get the worst possible price, thanks I want to see the way to return the car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrowers : XXXX & XXXX XXXX XX/XX/19 - we faxed our authorization and a request for a Payoff Demand. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. We were told we would have it within 48 hours. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. Rep " XXXX XXXX '' said nothing had been done and she assured us it would be requested. 

XX/XX/19 - Still nothing from Loan Depot. Called again and spoke to " Ms XXXX '' ID # XXXX. The payoff demand has not been ordered nor are there any notes that I have called multiple times and requested it. NOTHING IN THEIR SYSTEM and NOTHING HAS BEEN REQUESTED!!! 


This is not acceptable. It is a violation of Fair Debt Practices Act and clearly is racism against our minority borrower. 

I want a Payoff Demand immediately. 

CC : Attorney General

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: CT
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 have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the 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 non-monetary relief
Consumer complaint received 2021-01-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX, I reported fraudulent activity on SunTrust MasterCard Prime Awards credit card and requested a replacement card. Upon receipt of my card a new available credit balance was reported to the three Credit Bureaus on XX/XX/XXXX. Although my statement date did not end until XX/XX/XXXX! This resulted in TWO statement balances being reported to the Credit Bureaus WITHIN the statement cycle, resulting in reporting a high utilization and low available credit report BEFORE the XX/XX/XXXX payment due date and before the 30 day cycle. Because this showed that my credit utilization had INCREASED from 32-92 percent usage, all three Credit Bureaus dropped my credit scores by 24-32 points due to this error. I did request correcting this error in reporting to SunTrust on about XX/XX/XXXX and approximately two weeks later, a dispute was filed in my behalf by Suntrust with SOME of my lost credit points returned. In the meantime, my original statement date of XX/XX/XXXX was also reported to the three Credit Bureaus. My utilization as a result of my on-time payment resulted in a utilization of 28 %. However, AGAIN SunTrust reported a 2nd utitlization report to the three Credit Bureaus on XXXX-14 days into the 30 day statement cycle. And this AGAIN, impacted the credit scores of both myself and my 2 authorized users. As of today the impacted score is a 33 point drop! Today, I called card services to make another request to correct this repeated error. However, if the reason for the duplicate statement report is not corrected, this problem will continue to repeat in violation of the Fair Credit Reporting Act. What's more, there is no individual to speak with to resolve this issue when SunTrust is called on its own " 800 '' Card Services number other than customer service reps who have no information to explain or resolve the issue with the same rapidity in which this error occurs. What's more, these error along with the resulting lowering credit scores are impacting my ability to apply for the PPP loan, as well as refinancing my home mortgage. This is likewise true of my TWO authorized users. I request not only that this issue be corrected permanently with the three Credit Bureaus, but that it be resolved within the next 3 business days.

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 2021-01-07
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
IVE BEEN 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 2022-08-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX  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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The week of XX/XX/XXXX, I made a call to USAA to inquire about graduating my secure credit card to a non-secure card. I was told by the rep I had to apply for a new card ( the rep never took into account that I already have 4 cards with USAA and was only inquiring about the secure card that I have held for 7 years ). I made a request to speak with management regarding this matter ( I was placed on hold for 6 min. ). Then I was told that a manager was not available and that one would contact me. I waited nearly two weeks for the call. On XX/XX/XXXX, I reviewed my USAA credit card account only to find that my credit limit had been cut in half ( from {$6000.00} to {$3000.00} ).  This card had not been used for 4 months due to my paying off my credit card obligations ( and having excellent payment history for the past 24 months and being out of work for 6 months during this covid pandemic ). In doing so USAA is liable for creating a negative effect on my credit history credit card utilization thereby causing harm to my personal credit. The representative took personal action to lower my high balance card due to our conversation. There is no way, that USAA can say that my limit decrease was due to credit when all of my other cards limit were not changed with USAA. I want my card limit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$14000.00}

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