BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Shows a hard inquiry on my credit report that I never done. It was for CB Indigo on XX/XX/2022. I called them directly and told me it was going to be removed around XXXX and never went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navy federal Credit Union has be Contacted Me & Harrasing me and I have not Contracted with them, I have ask them to Verify By Wet ink Signature and Requested a XXXX  they Refused it. 

The Debt was already paid in full, and clear on My Credit Report, they then turned around in reposted a Debt that Was paid & then Violated My Rights as a Consumer, by giving My Personal SSN to other Companies and Selling My info to everyone which I have not contracted with as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The whole process was a disaster. I'll keep it to the important details for brevity. 

I refinanced my FHA mortgage to a conventional mortgage with Citizens Bank. Their sales pitch was that it would save me {$200.00} a month. This was an escrowed mortgage. When I got my school taxes in the mail, I called to make sure they were paid. They were not. They were on file, but for some reason never paid. Also, when they sent me an escrow refund or whatever, they overpaid me back with no explanation. I called them and they said they didn't know what it is, but I should go ahead and cash it. Now my school taxes are late and they have a penalty. I am now short in my escrow account by over a XXXX dollars. I'll have to overfund it to make sure I have enough for real estate taxes. Their only answer to me ( after waiting on the phone for an hour in a half ) is that they also XXXX  up because they didn't collect enough money at closing. However, this was a no money down at closing loan! They rolled in the costs to the loan. Now I am concerned that my {$200.00} savings as promised is not {$200.00} and my mortgage balance has gone up by thousands! This was a bait and switch and had multiple mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: S & S Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 XXXX XXXX of S & S recovery called my job from XXXX I called her back and asked her to not call my employer again. She stated she will not and made a note to not call my employer. However today XX/XX/2019 she has again called my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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:
They are Illegally Violating my rights by reporting a Bankruptcy that they have yet to provide how they verified. This is causing harm to my report and hindering me from providing my child with the best life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Collection Bureau of America Ltd.
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:
XXXX XXXX XX/XX/1976 I have disputed this company CREDIT BUREAU OF AMERICA SEVERAL TIMES! 
Finally i got an update ( attached ) showing that they REMOVED the account from my credit file. Soon after I received a bill showing they are still ACTIVELY attempting to collect on this debt. 

AFTER VERIFICATION AND VALIDATION was not enough to keep the debt on my credit file I find it offensive and ILLEGAL that they are now attempting to collect from me again. 

Please see to it that this account is REMOVED from ALL THREE BUREAUS AND NEVER TO BE RE-INSERTED INTO MY CREDIT FILE AGAIN. 

NOT TO MENTION MY NAME IS NOT EVEN SPELLED CORRECTLY ON THIS FRAUDLENT ACCOUNT. I HAVE PLEADED WITH XXXX XXXX XXXX XXXX  PROVIDING DOCUMENTS THAT I WAS NOT LIVING AT THE ADDRESS. THE MISSPELLING OF MY NAME SHOULD BE SOME INDICATION THAT I WAS NOT THE AUTHOR OF THIS ACCOUNT. I THEN DISPUTED WITH CREDIT BUREAU OF AMERICA AND PROVIDED THE SAME DOCUMENTATION. 

IF THIS ACCOUNT IS NOT REMOVED AND ALL COLLECTION EFFORTS CEASE AND DESIST I WILL HAVE NO OTHER OPTION BUT TO CONTACT THE ATTORNEY GENERAL ALONG WITH MY PERSONAL LAW ATTORNEY TO FILE A LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 consumer and Natural person have been violated by Transunion. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Transunion has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). transunion has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that transunion carefully review this information including my consumer report and delete these inquiries.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion and XXXX have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Atlanticus Services Corporation
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: Their investigation did not fix an error on your report

Complaint:
When the XXXX XXXX XXXX   reported this account I saw immediately that this is inaccurate. Why? Because the payment history is in disarray. Also the date of last active is reported differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NV
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 it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2019-11-18
Company: SYNCHRONY FINANCIAL
State: VA
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 checked my credit score today and it dropped 50 points. When I checked the cause of it, it says that an account was closed between a XX/XX/XXXX and XXXX of 2019. It say SYNCB/PPC credit card appears to have been closed. Looking into the name, it shows it is PayPal. I have never in my life had a paypal credit card. Now its showing the account as closed. This seems like some kind of fraud. I have a paypal account but it is connected to my bank and my bank card. I do not have any lines for credit card so I need this corrected, as Ive been working very hard to improve my credit 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 non-monetary relief
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap

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 2022-04-18
Company: Union Home Mortgage Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attached is the XXXX XXXX Homeowners Policy Renewal, Union Home Mortgage Corp is the lender servicer of record. The escrow account has more than enough to cover this payment. Thus, the total one year premium payment due is {$1400.00}.

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 explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX QUOTED INCORRECT CREDIT SCORE BELOW XXXX ON THE SAME DAY I PULLED MY FREE CREDIT REPORT INDICATING A HIGHER SCORE. XXXX XXXX USE THE REPORT TO JUSTIFY CREDIT LIMIT INCREASE DENIAL. XXXX DID NOT REQUEST PROOF OF INCOME. XXXX XXXX USE THE EXCUSE THAT EXPERIAN USES A DIFFERENT SYSTEM WHICH IS THE ONLY REASON I AUTHORIZED A CREDIT PULL. NO ACCOUNTABILITY. MY CREDIT SCORE ON THE DATE WAS XXXX ON MY 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 2019-03-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a claim for a fraudulent check that was written for {$1900.00} out of our savings account on XX/XX/19. I called once a week for four weeks without resolve. They gave me time frames of 7-10 days, then 15, then 21. Its now been over 4 weeks and all they will tell me is that they are investigating. I was told that they would call me at XXXX XXXX today. It is now XXXX XXXX  and still no call.

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 2019-06-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I have a installment loan with this company and am struggling to make the payments so was working with there financial dept, the agreement was XXXX a payday and I missed a payment by accident, and they unauthorized a charge on my debit card for XXXX with out notifying me and kicked me out of the program. I cant afford to have this much money just removed from my bank account. And the agreement was XXXX and no interest. I have disputed this charge thought my bank but it could take up to 90 days for a approval tried to speak with someone at main branch of advanced financial but they refused to refund the money. This is a unscrupulous company once they get your info they charge what they want. And I have been under a debit management company which they refuse to corporate with. They have poor business tactics. And I just want my money returned asap I had just got paid and was going to take care of my payment but they cut me off before I had a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchased an airline ticket from XXXX XXXX. XXXX XXXX cancelled the flight and scheduled me for a different flight at a different price. I called Airline and ask them to reimburse me for the difference, the agent agreed and said that I am entitled for {$100.00}. In addition, I paid extra for a seat, the airline reimbursed me for one way and the return flight. Airline didn't reimburse me the {$100.00} nor the {$19.00} for the return flight. I submitted a dispute about the charges, unfortunately Bank of America reverse my dispute without even talking to me. I called and called but no one whiling to help. I am a preferred customer, but it didn't help. I had previously complaint about the behavior of their customer service but they care. I informed them that I will move to a different Bank but they didn't care either. There are other issues that I faced previously with them, where they released some Bank account info to my ex, but I couldn't get anyone to listen to me. I recently received a call from the Bank asking how I like their services and I informed them that it sucks.

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 2021-10-13
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2021-10-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Just reporting a fraud attempt. Someone tried using my social security number to open two bank accounts. 

One with : XXXX XXXX XXXX and one with American Express Personal Savings. 

Both banks have been notified by phone to log the applications under fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Goldman Sachs is listed as a credit card on my credit report. I dont have this credit card and never did. Please close this account for me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
At the beginning of XX/XX/2021, I applied for a Capital One Spark Business Credit Card. At the time of application, they did a hard pull to check my credit score. I received a letter 7 days later requesting primary documents that match the business name and street address on the application. 

I submitted the following forms : Articles and Certificate of Incorporation IRS letter assigning EIN Letter explaining the address discrepancy. ( Business address recently changed and not all forms have the same address ) Also, I would like to mention I do have an excellent credit score and there is absolutely no reason for me to be denied credit. 

Capital One is not granting my company the Spark Business Card due to the address discrepancy. Not all the primary forms have the same address. At the time of application, I received no disclosure detailing what forms needed to be submitted, nor did I receive notice that all primary forms need to have the same address on them. 

A disclosure of what forms are needed to open a Capital One Spark Business Credit Card should have been provided to me before the application and they did a hard pull on my credit score, damaging my credit. Without this disclosure, I was unable to make an informed decision. This is not a good lending practice. In the interest of consumer protection, please have Capital One fix this unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXXXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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