BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We received a {$500.00} prepaid netspend card as a gift. This card is asking for a copy of ID, a current bill and SSN to prove identity. This is not how this card is advertised. It is clearly a way for them to hold on to money. They are affiliated with XXXX and XXXX, both places have absolutely nothing to say about them. I called XXXX  they said they can't do anything at all. If you call one of the numbers they have for customer service ( not the one the card - XXXX ) and try to leave a message it hangs up on you. You can easily get ahold of someone at any hour to purchase a brand new one of these cards but to get in contact with customer service you must wait for their business hours of XXXX to XXXX ... I don't think all this could make it anymore suspicious or obvious what this company is in it for. I can't imagine anyone wants to give very personal information and documents to a company with VERY low reviews.

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 2021-02-02
Company: American Coradius International LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the second time i have received a letter from American Coradius International LLC, stating that i owe XXXX money. I have contacted XXXX about the issue and their is no such thing as the amount that is stated in the letter. I have called, and have repeatedly told American Coradis that it is not valid and to have send proof for verification, which they have not done. They keep sending me mails, and calling me about it. I am tired of them using unfair and deceptive practices to collect debts that consumers such as myself do not owe. I hope their will be no third time for another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: DISCOVER BANK
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:
Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Home Depot credit card with {$20000.00} limit there saying I owe {$34000.00} which Iam not sure how its over XXXX and when I called to get signed receipt and I will pay in full they havent sent receipt and now charging me big interest iam willing to pay what owed but not XXXX extra because they want to bully me Ive had R1 credit and credit cards for 15 years always pay in full so am not charged interest but now they want to jeopardize my credit score so not sure but if they wreak my credit I will not pay another XXXX to them and I told them I would pay but they cant prove to me my amount just there amount thanks for reading this 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 2022-01-04
Company: ALLY FINANCIAL 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 am a part of a Class Action Lawsuit with Ally Financial which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that Ally will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with Ally which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and XXXX that pertains to Ally Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX and two weeks ago I got a notice from a collection agency saying i owe XXXX money for a bill for XX/XX/2021. The issue is I was not on XXXX service or network. My contract was over with them in XX/XX/2021 and the lease was formally paid off in that same month ( I still have the receipt that says " Lease termination with purchase " and that the Leasing charge for end of Lease ). I also have another receipt with the last payment for XXXX. I also called to follow up with XXXX around that same time and one of the store reps even said I owe the company nothing. 

Just today on XXXX I tried calling the debt service twice and didn't get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Bread Financial Holdings, Inc.
State: AR
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:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 COMENITY CAPITAL BANK ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM HOMEWARD MORTGAGE. THIS IS A FRAUD LOAN. THIS PERTAIN TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX, APPARENTLY THIS HOWARD AND AMERICAN HOME SERVICING ARE THE SAME 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 2016-07-09
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first

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 2018-03-13
Company: Strategic Alliances, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX responded to Experian that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and XXXX is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to XXXX as paid. I contacted XXXX XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing 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 non-monetary relief
Consumer complaint received 2021-02-08
Company: TOWNEBANK
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I closed on a home and {$10.00}, XXXX was awarded to me by Housing Opportunity Made Equal ( HOME ) to Towne Bank as a grant down payment. This money was released contingent that the home was up to code based on US Dept. of Housing and Urban Development. An addendum was drawn up and repairs were supposed to be completed. At the closing, the seller did not provide any receipts or warranties for repairs completed according to the addendum. I requested receipts from closing attorney 's office via email, and they came back and replied they do not have any receipts or invoices regarding the repairs made prior to closing. Because the repairs were not completed as the required per the addendum no grant funds should have been released on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MD
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2017-07-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.

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 2017-07-21
Company: Partners Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX- XXXX and XXXX will not remove this debt they have placed on my credit report. I never attended this college nor any college associated with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
My Experian credit report says that I have 7 missed payments, but I should only have 1 missed payment. All my accounts were included in Chapter XXXX Bankruptcy, except for the 2017 XXXX XXXX loan. The XXXX XXXX loan is the only account not included in bankruptcy that I missed a payment on. All the other accounts were included in the bankruptcy, and should not be affecting 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 2021-07-24
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to get an FHA home loan. The process has now been held up for a month because they are questioning one cash deposit that I made into my checking account. I've provided all the documentation showing where the cash came from and it is a small amount. All my documentation meets the standards that are listed in the FHA requirements. 

They are refusing to approve or deny, or tell me what the issue is so that I can provide documentation. Because of this, I can't move forward with my loan and I can't get my escrow deposit back. My family and I will be homeless in less than a week solely due to them refusing to make a decision one way or another over a {$2000.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
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 am writing due to non-compliance with XXXX, Experian and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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