BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX University ( XXXX XXXX XXXX ) suddenly appeared on my credit report for a loan with derogatory information that is identical to accurate information from the Dept of Education. I have attempted to contact them but the XXXX is always closed or I only get voicemail. This is over XXXX XXXX XXXX this is the first time I have ever seen this appear. I have never received a bill or statement from the university for this debt, I have never been billed or made aware of it in any fashion. I have never taken out a loan directly with the university. This information is incorrect, invalid, and unfounded my credit score took over a XXXX point drop with this bad information while I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: AFNI INC.
State: UT
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:
AFNI, INC is reporting a debt on my credit file that has been paid years ago. I am not sure why Afni is  recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an XXXX XXXX XXXX  did not submit the claim to my insurance company. Sold the debt to the collection agency. Collection agency XXXX provided me with an itemized bill in months so I can submit to my insurance company. There has been multiple attempts to get the information and they keep giving me credit derogatory marks and refuse to remove them. They also said that until it is lid, they will keep damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: BARCLAYS BANK DELAWARE
State: GA
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:
XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. Barclay on  XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.

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 2017-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX CFPB : TARP Fund Recipient Bank of America gave up to {$60000.00} in enhanced relocation assistance to others, but gave me NOTHING! I demand that Bank of America give me {$150000.00} in enhanced relocation assistance, including interest, from their EVICTING me XX/XX/XXXX, stealing the personal property of XXXX Generations of my family, XXXX. 
XXXX, XXXX, a XXXX XXXX XXXX XXXX. My parents built XXXX XXXX XXXX, XXXX, IL. 
XXXX XXXX Real Estate Section reported Bank of America giving up to {$60000.00} in enhanced relocation assistance to others. Bank of America did not dispute that. On one Website Bank of America states : " That 's why Bank of America is excited to offer enhanced relocation assistance. Qualified homeowners who initiate a Preapproved Price short sale ( without an offer ) could be eligible to receive {$5000.00} - $ XXXX in relocation assistance and owe no more on their mortgage with the sale of their property, depending on the investor involved. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2015-10-02
Company: Paypal Holdings, Inc
State: DC
Product: Credit card
Issue: Payoff process

Complaint:
I obtained a PayPal Credit account nearly two years ago. I only used it for XXXX purchase - an airline ticket. I never received any statements from PayPal Credit, I never received any contact from PayPal Credit. I received a call from PayPal Credit in XXXX saying that I had an outstanding balance. I immediately began paying and was told that I could arrange monthly over the phone, which I did. I have been paying monthly since then. 

PayPal Credit then sent a statement - which I asked for during that call - to the wrong address. When the statement was returned to PayPal Credit, they deactivated my account ( without notifying me ). When I found out that my account was deactivated, I was told it was a very simple process to merely reactivate it so that I could link it to my PayPal account. Subsequently, I was told that my request to have my account reinstated was denied due to previous late payments. This is absurd! THE ONLY REASON ANY PAYMENT WAS EVER MISSED IS BECAUSE PAYPAL CREDIT NEVER SENT ME ANY STATEMENT OR HAD ANY CONTACT WITH ME AT ALL AFTER MY FIRST AND ONLY PURCHASE. 

I know have a PayPal Credit account with a {$220.00} balance. The account had a credit line of more than {$1000.00}. My usage rate is well below 25 % but Pay Pal Credit will not reinstate my account! 

I believe PayPal Credit 's practices are unfair, abusive and misleading. The used misleading marketing to lure customers into using their service XXXX a one-off basis and then failed to ever contact me. These sorts of unfair and abusive practices target customers who do not fully understand the terms of their product. 

I would like my PayPal Credit account reactivated and linked to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2018-02-10
Company: KEYCORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I received a direct mailer from KeyBank offering a {$400.00} promotional reward for opening a checking account. The promotion code on the offer was XXXX. The requirements were that I open the account before the end of XXXX, have one automatic deposit in the amount of {$500.00} in the first 60 days, and pay {$40.00} for membership in the rewards program. On XX/XX/XXXX I stopped by a local KeyBank branch in XXXX Colorado and opened a checking account depositing {$50.00}. The branch representative admitted he had never seen the offer previously. He made a copy of the promotional mailer I received and attached it to my account paperwork. 

In XX/XX/XXXX, I received an email from KeyBank informing me of what I need to do to earn a {$200.00} bonus. The amount and requirements were different than I had signed up for. I then contacted KeyBank via email to find out why the promotion changed and they proceeded to tell me I signed up for promotion XXXX and not XXXX. After elevating this issue, I was then contacted by the branch representative at the local branch in XXXX, Colorado and he assured me he had fixed the issue and that I should receive the full {$400.00} promotional reward 90 days after the automatic deposit hits. On XX/XX/XXXX, he also withdrew {$40.00} from the checking account to pay for the membership in the rewards program required under promotional reward XXXX. On XX/XX/XXXX, the first automatic deposit for {$500.00} hit the account completing the requirements for earning the {$400.00} promotional reward. 

On XX/XX/XXXX, after 90 days had passed since I completed the requirements for the promotional reward, I again contacted KeyBank to inquire into why I had not received the {$400.00} promotional reward. I again received the same response I initially received in XX/XX/XXXX. I had not signed up for promotional reward XXXX and I had not completed the requirements for receiving the {$200.00} bonus for promotional reward XXXX. At this point, I'm done with KeyBank. I believe they are running a bait and switch scam. Instead of receiving a promotional reward that I earned, I paid them {$40.00} for a lame rewards program. I intend on closing my account immediately. At the minimum, I believe they owe me {$40.00} as a refund of the rewards program I was tricked into joining. I would prefer to receive the {$400.00} promotional reward that I earned, but my health is important to me and I don't want to spend the next year fighting this bank. I have a feeling I'm not the first person that they've scammed and they probably have experience fighting these complaints. They should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: HI
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:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MS
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2022 I CALLED INDIGO CREDIT CARD COMPANY BECAUSE I RECEIVE A CREDIT CARD THAT I DID NOT APPLY FOR THIS YEAR IN THE MAIL I DID NOT WANT THE CARD THEREFOR I DID NOT ACTIVATE A WEEK LATER I RECEIVE A BILL IN THE MAIL I CALLED TO LET THEM KNOW THAT I DO NOT WISH TO HAVE THIS CARD THIS IS WHY I DID NOT ACTIVATE IT AND THAT I DID NOT APPLY FOR THE CARD RECENTLY. I WAS TOLD BY THE REPRESENTATIVE THAT ONCE I REQUEST FOR THE CARD ITS AUTOMATICALLY MY CARD AND THAT I AM RESPONSIBILITY TO PAY. I ASKED TO SPEAK TO SOMEONE IN CHARGE WHICH SHE TOLD ME WAS NOT AVAILABLE AND THAT I WILL GET A CALL BACK AND I NEVER DID AND THE BILL IS DUE TODAY A WEEK AFTER I RECEIVED THE CARD THAT I DO NOT WISH TO ACTIVATE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Consumer Real Estate Finance Co.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: ONEMAIN FINANCE CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I obtained a consolidation loan from one main financial in XXXX Oklahoma which was secured with XX/XX/XXXX XXXX XXXX pickup fully loaded I lost my job in XXXX slow down and upon repossession of vehicle was notified I could have personal items from pickup when I paid them in full possessions in vehicle was things such as birth certificates my sons and my own lots of tools and XXXX fittings of my own plumbing fittings for pex pipe tools and plumbing fittings costs approximately XXXX costs of XXXX fittings approximately XXXX not to mention loss of transportation and missing our vital records left us in even more of a bind some things can't be replaced things belonging to my grandchildren it's not right for any company to do these things should never be ransomed in order to get personal things back and held like a XXXX for money they knew I could not afford to repay lost everything soon after including house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
after refiancing my home to purchase the land. i got XXXX to help. they drung me along for months as i was ready to file bankrupcie, they come up with the plan that if i had more money inthe bank, the company would finance me. i did't have any! so they gave me a XXXX check to deposit in my account. then walked out front door of bank and i had to write them a XXXX check back.?? anyway i got the loan. later learned they where run out of town lost there licence. and later the attorney was arrested that handled it all. mean while not to my knowing my loan was sold, and sold, and sold and sold, and witha payment now that when up to over XXXXdollars. i have XXXX a month coming in. tryed every thing i know, hamp, harp, and on and on. now as a XXXX year old that has been on this property for over 20 years there fourcloseing. i am a XXXX vet, my wife has XXXX, and we still have a adopted XXXX year old XXXX son living with us. and now have appox 30 days to get out. as i talked to the people from SELECT-PORT FOLIO. today trying to find a way not to be put out, the young girl i talked to said they would just get the sheriff to put us out. ( WONDREFUL PEOPLE ) there also know as XXXX. please look them up as they only changed there name. look i know there 's nothing you can do, but had to get this off my chest. will print and file with the rest of useless paper work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ability Recovery Services, LLC
State: OH
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 sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2020-03-15
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This issue pertains to Alliant Credit Union ( Charter Number XXXX ) with address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, lL XXXX p : XXXX f : XXXX alliantcreditunion.com My member number is XXXX. 

Their compliance department sent me physical mail indicating the following : " In accordance with Illinois Statue 205 ILCS 305/15 ( 3 ) allowing for member expulsion, more than 2/3 of members present at the annual meeting of the members voted to expel your membership. Therefore, pursuant to Section 22 of the Alliant Membership and Account Agreement, your Membership will be terminated on XXXX. '' The problems with this are as follows : 1. There is absolutely no detail on the credit union 's website nor were any letters sent pertaining the annual meeting such as ( a ) when it will occur ( b ) where it will be held ( c ) the agenda 2. According to Illinois Statue 205 ILCS 305/15 ( 3 ) :  " ( 3 ) Any member may be expelled by a 2/3 vote of the members present at any regular or special meeting called to consider the matter, but only after an opportunity has been given to the member to be heard. '' With regards to the statue above, I was never given an opportunity to be heard during deliberation regarding member expulsion. No attempt was made to contact me via email, telephone, nor physical mail.

Company response to consumer: Closed with explanation