BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: AZ
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer assigned me to two account representatives who refuse to return my calls, and no one else at the company has the authority to help me resolve my issue. Background : I was notified of an escrow shortfall of almost {$10000.00} that had been accumulating for more than a year on my account. I received notification by regular mail on XX/XX/XXXX that as a result, my payment will increase on XX/XX/XXXX from {$2400.00} to {$3800.00} to cover the shortfall. Through my own research I discovered that in a HAMP refinance, the prior servicer failed to account for my full annual property tax, and my payment was calculated too low. I never received any escrow statement from the prior servicer ; my loan was transferred to a new servicer in XX/XX/XXXX, and I also never received any warning of a shortfall from the new servicer until XX/XX/XXXX. I immediately began calling to resolve the issue and was informed that generally shortfalls can be spread over a longer period of time, but XXXX XXXX and XXXX XXXX would be the only people who could discuss the matter with me. I have left each of them at least 10 messages, at least once per business day, since receiving the notice. I have also written and emailed the company with a proposal to extend the payment schedule. Furthermore, the company has failed to credit a timely payment lost by the prior servicer and acknowledged as a correction by the prior servicer, which would serve to offset some of the shortfall. To date I have received no return phone call nor any return email or letter. This morning I was informed by customer service that XXXX XXXX is no longer with the company, so now there is only one person - XXXX XXXX - who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion has several bankruptcy cases reported on my credit report that should not be on my report. I disputed this with TransUnion & they sent a letters stating they verified the debut belonged to me, but did not provide whom they verified the information with. I called the Bankruptcy Court Clerk in XXXX TN XXXX I spoke with XXXX she advised they do not verify bankruptcies with the credit Bureaus & have not provided any personal information about me to them they don't provide SS # DOB or any personal information to the credit bureau. I called Transunion & asked who they spoke to to verify this information they could not provide me with a name of person who verified that this belonged to me, they advised they did not have that information. They didn't have a letter from a person that verified it either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: GU
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Opened acct in XX/XX/2022. Waited for card but never arrived. Out of abundance of caution so card is not in the hands of someone else, I made a follow up call and guy was able to report card as lost and request replacement to he mailed. He told me be on lookout for white envelope. Address verified as to where it was sent. 2 weeks went by, again no card. Called & spoke to several agents, none who could help except to try to transfer me off & get the call disconnected. After numerous frustrated attempts, asked for manager and told her I did not get my card. She said it could be due to an address issue and that she would ensure someone calls me back. Never got any call except a letter that said a replacement card can not be sent because address on cr bureau not the same? I said I can mail you proof of my address, its the same as my JCrew of which I received that card with no issue. 
They asked me address from way back, I gave them an answer, the guy on phone said I failed. Huh? What kind of verifying my address that way is legit? 
So now im stuck with an open account but clueless what my account number is because they wont send me the card!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th    XXXX   XXXX   XXXX    ,   XXXX   XXXX   XXXX  and  XXXX   XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for loan consolidation in XXXX and was told it takes 1-2 weeks to process. Fed loan sent me an email stating that the loans were being consolidated in XXXX. However, after I reveived the email that my loans were consolidated, on XX/XX/22 my older loans were forgiven and the newer ones that should have been consolidated and received the higher payment count were not counted nor included. They literally sent another email stating that now they can not finalzie my consolidation because the older loans were now at zero and a balance is required for consoldiation. Meanwhile they just sent an email listing all 4 loans are being consolidated days prior. It makes no sense and is completyely unfair and ridiculos. I was told its a mistake and they will escalate. Nothing has been done but empty promises. I filed a previous case and it was closed because staff did not speak to me or follow directions correctly. I want someone to look over this immediately. All of the loans should have been forgiven. together. I applied on time to consolidate and obtain the higher payment count under the guidelines on time. This needs to be resolved and the remainder of the loans need to be discharged. I have been promised a review for over 2 months and nothing has been done. The supervisor says everytime we just received word about all the issues that were submitted prior to yours so yous should come in any day now. Over 2 months later absolutely no resolution in sight. I did everything correctly and applied within the guidelines. They keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Comerica
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My direct express card was locked on XX/XX/2022. I contact direct express several times between XX/XX/XXXX & XXXX XXXX XXXX I even contact the social security office like instructed on Monday XX/XX/XXXX at XXXX to update my phone number & email like told, at that point I was told it would only take up to XXXX hours to get my information updated & my card would be unlocked but when I called direct express once again on Tuesday XX/XX/XXXX at XXXX I told once again my information had not been updated & I was told that I could email them a copy of my ID to verify my identity which when I finally got an email to go Thur to them at around XXXX on XX/XX/XXXX they replied back they still could not verify my identity & to once again contact the social security office XXXX In the mean time me & my family have had to do without food & household supplies & if my card doesn't get unlocked by XXXX today XX/XX/XXXX our water will be shut off in the morning. I am need of help fixing this problem as quick as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Action Rent To Own
State: NE
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 never had a pay day loan or rent pay loans ever Fraud alert

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i made a transaction via PayPal for {$230.00} and on XX/XX/XXXX i made another transaction via Venmo which is a PayPal company for {$290.00} for shoes from the company XXXX XXXX. The company is now bankrupt and in federal court for fraud. PayPal/Venmo and my bank ( XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021, Amount : {$4600.00}. I contacted credit collection agencies and collection was removed and then reinserted under a different collection agency ( Three Letters attached ). I contacted XXXX XXXX Fraud Department. They advised to file a police report, which I did ( Attached ). The Credit Bureau 's never notified me in writing of the reinsertions ( See attached letters set to them : XXXX, XXXX, XXXX ). I attempted to submit Police report to I.C. Systems Inc ( Collection Agency ) online and an error kept notifying me that I needed to Prove I was not a robot and would not move me beyond that point to submit supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Someone accessed my Coinbase account on Friday XX/XX/2021. He/she deposit XXXX to coinbase from my bank without my authorization. Following sells all my cryptocoins, and withdrawal {$8500.00} to third party account of XXXX XXXX XXXX with 4 last digit XXXX. 

Tried to contact Coinbase customer service by email/phone to prevent the withdrawal which will happen on Wednesday XX/XX/2021. Only get automatic respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly called on my personal cell phone, but I have also been called at work which is the bigger problem. I only gave this company my work phone to verify employment. I never authorized them to contact me at work for any reason.

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 2017-06-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: AMERICAN EXPRESS COMPANY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. <P/>
STAY AWAY FROM EXETER FINANCE if you can ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the 3 major credit bureaus XXXX, XXXX, and XXXX that the account on my credit report regarding a bankruptcy is inaccurate. They have informed me they received the info from you Lexis Nexis. After asking you to verify the info you said you " verified '' the info as being accurate. Really? When I contacted the court and the clerk verified that they dont verify records with the credit reporting agencies. So where are you pulling this information from? You are required to have firsthand knowledge, which means you need to furnish the actual petition. The Court should be the furnisher of information, not a third party source. I know for a fact that your company receives information on bankruptcies from a third party known as Pacer. The pacer system is inaccurate and incomplete since the pacer system does not provide complete social security numbers as that would be against the FCRA and privacy laws. Furthermore, the Fair Credit Reporting Act is inapplicable to the Court because the Court is not a consumer reporting agency. I'm pretty certain what your company is doing is illegal but you keep violating my rights. You must obtain firsthand knowledge. How can one obtain firsthand knowledge from a 3rd party? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Secondly, the item is reporting inaccurately.

Company response to consumer: Closed with explanation