BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This started back XX/XX/2019 when XXXX XXXX XXXX contacted the owner of the home we were living in for the past 7 years and told them they could be making a lot more money in rent and they should raise it. We were paying XXXX and they wanted to raise it to XXXX. We had no lease but the first year we resided there. Then we paid month by month for the next 6 years. We for the last 6 months we were there was always scared paying rent not knowing what they had planned. Finally after being threatened with eviction over and over let them go through with eviction. Due to non payment for 1 month. Even though our name was not on the set out list for the date they showed up. The constable of XXXX County SC let them follow through with set out with no proof or paperwork given to us. We waited 3 hours watching them sit in our yard waiting for them to give permission to enter our home still with no paperwork. Not to mention our belongings we set out in the pouring rain and everything got ruined! The company Hunter Warfield call daily after being asked not to saying they are attorneys and are trying to collect debt. I am not responsible and have not received and documents regarding this account. I want this off my credit immediately. This is a false collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Genesis FS Card Services, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Genesis Financial for the debt owed on my XXXX Indigo account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. Genesis Financial were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within two weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to Genesis Financial. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Avant Holding Company, Inc.
State: OH
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:
Credit Card from AVANT was sent to incorrect address, when corrected they stated they reissued the card on three different phone calls, card was never received or activated but they still billed the annual fee and put this as an open account on my credit report. Credit companies refused to remove it. I called several times regarding the {$39.00} annual fee they said I wasnt responsible for it because I didnt have a card but wouldnt put it in writing, wouldnt remove it from the account or my credit report. I had to cancel the account its been over a month back and forth with them. This place has shady practice, Ive never had a card show open until I actually activated the card. I never received a card from AVANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have tried unsuccessfully to contact Citizen 's Bank regarding my checking account # XXXX and do not have the ability to see on my end what is going on with my account i.e. how much money is in the account as I am waiting for credits for the multitude of continued fraudulent use of same. On XXXX XXXX, XXXX, I got a copy of my XXXX 's statement and the bank too out {$75.00} from my Pension for overdraft fees when I have not used nor had a card to use as it was closed by Citizen 's Bank because ( I was told ) I filed a Complaint of fraudulent!!! My XXXX is in the amount of {$2000.00} and I withdrew it 's entirety except leaving the change so as to enable the Bank to give me the credits they owe me!!! I only received {$1900.00} leaving the {$0.00} to keep the account open as aforementioned!!! Also money was stolen in XXXX - once on the XXXX Wednesday of the month in excess of {$400.00} and on last day of the month in excess of {$250.00} stolen from my account also stating for overdraft fees when, in fact, the Bank owes me money for cyber theft or some fraudulent amounts stolen as has been since I noticed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: VA
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 is still claiming a past due balance to credit reporting agencies despite being paid off with collection agency. My account was settled with the collection agency back in XX/XX/XXXX. XXXX XXXX  XXXX updated my credit report to show " charged off '' for every month of XXXX and lowered the balance but still showing a past due balance of {$850.00}. I have a letter from the collection agency advising the account is paid off and at a {$0.00} balance. I sent a dispute through Experian with a copy of the letter from XXXX XXXX XXXX dated XX/XX/XXXX stating the account was settled in full with a XXXX dollar balance. First premier still closed the dispute stating the balance was verified accurate even though it is not. Meaning they are knowingly reporting false information to 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 explanation
Consumer complaint received 2016-12-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to sign up for a PayPal account and later discovered that I had been signed up for a line of credit. This was not my intention. I monitor my credit and later discovered the inquiry on my report. I immediately called to cancel the line of credit but the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a online purchase with XXXX  and upon submitting my payment information I grew suspicious after the merchant failed to submit proof of the transaction. I immediately requested a cancelation of the order but received no reply after calling and emailing the website. I then contacted Chime customer support to cancel the transaction but was told that the transaction couldn't be canceled while it was pending. After a couple of days the transaction went through and the money was deducted from my account. I then received a transaction summary from the merchant. A few days later I received a delivery notice from the merchant stating the order had been delivered. 

The purchase was for two XXXX XXXX XXXX guitar cases priced at {$90.00} each totaling {$180.00}. The transaction summary I received listed only one item in the order. The delivery notice from XXXX listed a tracking number that says 1 of 4 items was delivered at the front desk. I live in a house. There is no front desk. None of the paperwork sent to me is correct. Chime dispute investigators, however, believe the paper work to be legitimate and haver determined that because a tracking number exist the order is correct and my dispute has been denied. Twice. Every customer support representative that I talked to said that they understood the situation and that there shouldn't be any reason that I wouldn't have my money refunded top me. Chime dispute investigations department denied the claim after it was escalated by there representative whom I talked to after my claim was denied the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notices about insurance from the lender New Rez. I uploaded proof of insurance in accordance with their instructions but they still placed insurance and have been billing 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 2020-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. Citizens Bank 2XXXX XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. 

It's really affecting my credit score and my ability to get further credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account after I had just received money from XXXX. 
They asked for proof of Identity and I sent my National Identification card and a copy of my bank statement. I have tried to contact them but they are always answering with the bot. Now I have finished making the client XXXX design but my payment is being held by Paypal and they refuse to respond even after I have tried all means to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this was charged to me ... ..this is not my debt ... .SCA Credit Services , inc

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief