BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Genesis FS Card Services, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was taken out my name unlawfully through Genesis FS card service XXXX XXXX XXXX XXXX XXXX XXXX the account number is ending in XXXX XXXX XXXX XXXX and I believe the company 's name is XXXX I did not apply for this credit card, I only found out about it when I received a bill/letter for {$75.00} for the annual fee and {$1.00} for the credit protection fees totaling {$76.00} in totality. I believe the car was taken out on XX/XX/22 but I could be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir/Madam : My husband and I were contacted by PennyMac Mortgage inquiring whether we wanted to re-finance our existing mortgage with them on property we own in XXXX, XXXX We declined, but agreed to apply for a mortgage on property we own in XXXX, XXXX. This property includes a newly constructed home. We began the application process with loan originator XXXX XXXX, and completed the necessary paperwork with a loan processor who requested identical income and tax information multiple times, and requested my online password in order to access my account. When I declined to provide my password and asked to speak with a supervisor, she said she would return my call. I subsequently learned that she had left PennyMac 's employ. After several more phone calls and many weeks, we received notice that we had been rejected for the loan because of inadequate income, however, the loan processor had miscalculated our income by nearly {$2000.00} per month. We requested and received a refund for the property appraisal fee of {$320.00} which we had paid to PennyMac with our application. XX/XX/XXXX, we were contacted by XXXX XXXX ' supervisor, XXXX XXXX, who reviewed our original application and assured us that the loan processor had made a mistake and we did, in fact, qualify for the new loan, which represented only 40 % of our property 's appraised value. We provided the appraisal, done only weeks earlier with our construction loan, however, we were told that PennyMac required their own appraiser and that we should restart the loan process with another {$320.00} appraisal fee. XX/XX/XXXX, we paid the fee again and re-submitted paperwork to XXXX XXXX. We were told that he would be working with the underwriting department directly and that the loan should close within 30 days. Instead, we kept getting more requests for additional financial information previously provided. 
On XX/XX/XXXX, after more stalling and no response to our emails or calls, I learned that PennyMac had, without authorization, run my credit again, resulting in a significant drop. This inquiry was NOT authorized, and in fact, I told XXXX XXXX when we spoke by phone that if it was necessary to run our credit again to resubmit the loan application, I would not be proceeding He assured both us that the credit information PennyMac received in XXXX would be sufficient After learning that my credit was damaged and the loan was still in limbo, I called XXXX XXXX asked that the loan be cancelled and all monies refunded He sent an email saying the {$320.00} would be refunded. I have yet to see it and I have followed up with emails to XXXX XXXX, XXXX XXXX, without response since XX/XX/XXXX. It appears that both may now have left PennyMac. 
Please let me know if you are able to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company keeps flagging my credit report for a balance owed that I NEVER requested. I have no business with NATIONAL CREDIT ADJUST. The keep harming my credit. I NEVER requested no services nor goods from this people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 attempted to reach out to TransUnion 3 times to remove a fraudulent account from my credit profile and they have not. Nor have I been sent any supporting documents or a detailed explanation of their past investigation progress. 

The account XXXX Acct XXXX XXXX is fraudulent, and also the name on the account is " XXXX XXXX  ''. My name is not " XXXX XXXX  '' I have asked them to remove this inaccurate and fraudulent account many times and they have not responded or removed the account. 

I have also submitted a Fraud Affidavit with the Federal Trade Commission.

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 2015-04-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.

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 2022-09-12
Company: EQUIFAX, INC.
State: CA
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:
Credit inquiries that I did not authorize please delete them. I have been complaining about unauthorized credit inquiries for awhile now. Please see the 2 credit inquiries that area high lighted in yellow in the attachments they are the 2 that are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 my wife and I started a Fixed FHA Refinance with Rocket Mortgage our loan officer was XXXX XXXX. We stated to XXXX that we wanted to refinance but do you Covid 19 we had a lien from our current lender XXXX that was put at the end of our loan to be paid off when 1st mortgage is done. We specifically told XXXX that we need this lien included in this refinance to get rid of it. She assured us that it would get done. Meanwhile days/weeks go by and every time I see a document the {$15000.00} lien is not included and every time it wasnt included I reached out and asked why. XXXX stated dont worry it will be included soon just acknowledge everything and continue with process. I even made it a point to ask XXXX if I should hold on getting {$500.00} appraisal until the {$15000.00} lien shows up on our document and she said no and to go ahead and get appraisal so we did. Meanwhile Rocket Mortgage assigned us a Solutions Consultant named XXXX XXXX that was suppose to facilitate this stressful process but all XXXX did was continue the run around and find ways to circle around the {$15000.00} lien. I emailed and XXXX emailed XXXX the subordinate agreement that shows the {$15000.00} lien that needed to be combined to refinance twice! First time he acted like he never received it which was a lie because I have confirmation on XXXX/XXXX/XXXX  and it was uploaded by XXXX through Rocket Mortgage app 2nd week of XXXX. At the end of this entire stressful process XXXX nor XXXX included the lien in the entire refinance and looks like their plan from beginning which they never mentioned to us in any emails or verbal convos was to refinance the XXXX mortgage only and have the lien remain with XXXX and have us take care of that on our own which is not what we asked for since the beginning. I am a XXXX XXXX XXXX individual and ending result is my wife and I are out {$500.00} when it could been avoided at the beginning if XXXX did not trick us throughout the process and disclosed how lien would be handled. Note, I have plenty of emails to XXXX to justify that my wife and I needed the {$15000.00} lien to be added to Rocket Mortgage Refinance. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am a rushcard customer, have not been able to have any access to my money in 16 days. When calling somtimes i get hung up on. other times the represenitives have the same excuses. Cant tell me whats going on or what the problem is or when it will be settled.The company wont even give any other opitions to recieve the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX XXXX cleaned all Fraudulent Accounts off my report. You guys started in XX/XX/XXXX removing a fraud account but there are more ties to that one I enclosed down below.

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 2019-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX XXXX. XXXX/XXXX. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Credit Information Bureau, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Transunion Transunion XXXX Transunion XXXX Transunion plus transunion XXXX XXXX needs to send me their hard credit inquiry of XX/XX/2018 also ( they do monitoring for transunion ) They keep sending me their advertising via email Please notify them to cease harassing me since I Reported them to your agency.

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 2020-04-04
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has failed to send me written notification of this false debt in which I received and the only way that I found out about it was through reviewing my credit report a couple of weeks ago. So I called in and asked about this debt and told her both verbally and by email ( written notification ) that I wanted to dispute the validity of this account because there is absolutely no way that it can belong to me. As of today, nothing has been done regarding having this debt being verified and validated as requested. They have refused to remove it from my credit report while they investigate-if they are even investigating it, and this is against the Federal and State laws put in place to protect consumers from illegal debt collection practices from these debt collectors. Furthermore, as I have told them via written notification and verbally, this debt does not belong to an individual person, it never has, nor has anybody been liable for it personally or individually as it was set up as a California Corporate XXXX  Account with the use of the assigned Corporate Employer Identification Number given to the Corporation by The Internal Revenue Service back In XXXX of XXXX  to set up this account. No officer, shareholder, or Executive member of the corporation was ever in agreement or has signed any document making any individual liable, or to personally guarantee this account at any time. This is solely a business account that was solely setup as a business account making only the corporation liable as it's sole and separate entity. These guys have damaged my credit and given me unspeakable amounts of stress and has brought on both XXXX  and XXXX XXXX to me as well. This is my last attempt at trying to reason with this company and for them to remove this false debt from my credit report before I seek further legal action against them and XXXXXXXX  ( the original creditor ) for falsely trying to make an individual officer of the corporation liable without ever having authorization from that individual to do so. I want to see a physical signature with my name and my social security number handwritten on the application form as part of their verification of this debt. This is the only way that I will accept as valid proof of this debt ever being my own and not the corporations. However, they won't because their is no such document available because I never signed it or used my personal social security number. Also, this entry in the credit reports maintained by all three of our national credit reporting agencies needs to be removed at once while they investigate this further, and not to wait until after wards to remove it. It needs to be removed now before they investigate per law regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: National Credit Adjusters, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a online payday loan that keeps coming up on my credit report from XXXX XXXX it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through NCA XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: IL
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 disputed an issue with improper reporting of a credit card account with credit first na account number XXXX that was included in bankruptcy and discharged XX/XX/2018. This account is showing as a recent missed payment and hurt my credit scores now across the board. It should not be a recent missed payment or even showing late now if it was discharged. Experian is not fixing the issue and when i try to dispute it again all i get is you have already disputed this. The dispute should have been done right from them in the first place then.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Transunion allowing u authorized credit inquiries. There is a lot of people pulling my credit report authorized and I have been complaining for awhile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On the summary page of my credit report with Transunion they have 12 accounts listed as NEGATIVE. But  when you look at each account it does not say negative account. There is not supposed to be any reporting of any accounts as negative. This complaint refutes the 12 negative accounts LISTED ON THE SUMMARY PAGE OF MY TRANSUNION CREDIT REPORT. You ARE NOT REPORTING ACCORDING TO THE FCRA or bankruptcy law because there would not be 12 ACCOUNTS LISTED ON THE SUMMARY PAGE OF MY REPORT AS NEGATIVE.

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