BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a credit card from genesisFS card services. I called them and said I did not apply for the card. I dont want it and I want it taken of my credit report ( including the inquirie. They said they would investigate it and it could take up to sixty days. I dont have sixty days to repair my credit. I need to beable to apply for a place to live. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: FL
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 has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

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

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an American Express Gold Account back in XXXX and have paid that card off at LEAST ten times yet AmEx just now reported that card as being opened on XX/XX/XXXX! SHAME! I will be closing this card out TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: IN
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 Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Security National Automotive Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle loan was paid off on XX/XX/XXXXand the company has been reported inaccurate information to the credit bureaus. On XX/XX/XXXX I reached out to the company about the account still reporting open. This is not my first complaint about this matter before they was not reporting at all when I called in XX/XX/XXXX. When I contacted the company they say that they report every 30 days. The car was paid off before they report. I also made a complaint with the bbb and they said it takes about 30-45 days to report but also as I mentioned they have not been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: COAST PROFESSIONAL INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Department of Veteran Affairs is utilizing a debt collector called Coast Professionals to attempt to collect an erroneous debt related to the GI Bill. They are incorrectly reporting this debt on my XXXX  credit report in the form of two tradelines. I repaid in full a VA debt that was incurred when I withdrew from a college course. In XXXX of XXXX I received a letter from the VA confirming this debt had been paid in full. I have proof of payment and have supplied it to both Coast Professionals and the VA. They have not removed the inaccurate collections information from my XXXX credit report. On XX/XX/XXXX I requested validation from both Coast Professionals and the VA for this debt and have received nothing.

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 2017-06-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company refuses to cancel PMI on my mortgage after many requests. The current loan to value ratio is .69 %. The requirement for them to cancel PMI is .78 % and below. I spoke to someone at the company and was told that the company needed an apprasisal. I was specifically told that I can hire my own appraiser, which I did. After I sent the appraisal to Ocwen, they told me they would not accept it because I did n't use their authorized appraiser.
As I mentioned, in a previous call to Ocwen, I was told by an Ocwen representative that I could hire my own appraiser. My appraiser is certified with the State of NJ. The appraisal dated XXXX XXXX, 2017 is attached.
Appraised Value of House {$460000.00} Loan Amount {$320000.00} LTV .69 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: DE
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:
Iam a natural person, Iam a living human being, and i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Last year early XXXX. I got a title loan. And it has been XXXX. I paid off loan late XXXX. 2 weeks later they took it. Destroyed my XXXX XXXX XXXX  transmission both differentials and transfer case. I converted my wifes XXXX XXXX  from 2wd to awd. I'm a 30  year XXXX XXXX XXXX. So apon dragging it away. I found it myself. Paid XXXX out of pocket. They lied Said they did not receive it. Lies it was signed for at location. I own my own businessXXXX XXXX XXXX XXXX ca, I put a mechanics lien on the vehicle sending wilshire a bill for XXXX Since my wife OWNS the vehicle she bought in cash at XXXX. Now they fully brought over 250 cars to my city. Moved into homes in my neighborhood. Cameras are on my home 24/7 I even caught them listening to my phone calls. I was in the military. I know XXXX XXXX. They inked 4 houses together using a bogus company with a bogus contractor 's license. I even have a decoy in my garage. I put the tracker in the exact spot. Real car is parked around. My name XXXX XXXX XXXX XXXX. I also with the California  XXXX XXXX. They do not talk to me one I have several years of XXXX XXXX and I just don't take XXXX. So I have proof of everything going on XXXX I also filed a stolen car claim. With 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 2021-05-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have called XXXX numerous times from XX/XX/XXXX till present and are told that I am unable to set up a payment plan and that it is in the legal department and to call XXXX. Every single time that I ask to see if I can pay and I ask for a letter to be sent by mail stating that this debt is satisfies or my payment was received I am told that they are not able to provide me with such letter. I was deeply affected by the pandemic and was without a job from XXXX XXXX up until around XX/XX/XXXX. The interest rates are unfairly and incredibly high and I would like to file a complaint.

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 2018-10-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am attaching a Screen shot of a call Received this morning. 
They are spoofing the call to make it look like my wife is calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/2018, due to no fault of my own. I was Also experiencing health problems. I filed a forbearance but my home was still turned over for foreclosure. 
I was constantly getting different info from PNC even up to the time I received notice of foreclosure. I was offered an unfair modification plan that will not benefit me or my situation. 
Adding on terms to my existing loan is not much help. 
There are other modification plans that would be more beneficial. 

There is no hardship financial homeowner assistance programs Available. 
The hardest hit fund was depleted. 
I need honest help saving my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Hello I am reaching out to you guys cause Ive sent numerous disputes in regards to a few late payments on my credit report for capital one. Ive disputed it with both creditor and XXXX. Neither one wants to correct the issue after capital one removed from the other Credit bureaus XXXX and XXXX. Please can someone help me and get it fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HI in XXXX I got a email about a part time job offer. I have been looking for a part time job that I can work from home for a while. So I got this email and I applied for the position. It stated that the job was part time, I will work from hoe and it will pay {$400.00} a week. I will be helping kids in need that our in shelters. So a week later I got an email back saying I got the job and my first assignment was to deposit a check and buy some give cards and send it to them. The check was for {$2900.00} I was to take out my {$400.00} and buy 5 gift cards with {$500.00} on each of them so that's {$2500.00} dollars for all 5 cards. I did this four time. everything was going fine till I checked my account and notice all my money was gone out my account. Then I saw that all four checks was returned I was confused on why I didn't understand what was going on. I called the bank which is U.S Bank fraud department and that's when they said the checks was bad and the company was not real. They said that I was scamed and its nothing I can do about it. the lady said she was going to send paperwork out for me to try and get my money back. But XXXX days later I did received some of my money back but the lady at the bank said its on hold until the investigation was over. she said if my case is denied they will take the money back. I did return all the paper work they asked me to fill out. I found out yesterday which was Saturday XXXX that my case was denied. I had called the bank back because I haven't herd from them over two weeks that's when she told me my case was denied. So they are reversing the money they gave back which was only half of it. All together they took {$11000.00} dollars that ; s how much all four checks was worth. I'm fighting to get all my money back. I'm the victim they are making it like its my fault. I don't understand how come they didn't catch this with the first two checks. they are the bank and if they ran the checks through the system how come they didn't catch this. That's all the money that I have. I'm a single mother with XXXX kids. I have been saving that money for a while and need it back to pay my bills. I pray you can help me it seems like I cant find the help I need.

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 2020-02-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have for the past six years tried forbearance, deferment and I continue to struggle. This student loan has ruined my credit and made it almost impossible for me to qualify for a mortgage. 

I need financial counseling that will actually help my credit score. 

I look forward to a positive outcome for this ongoing problem. 


Sincerely, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: AR
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:
A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX  money loans ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I tried to join Robinhood.com, an investment website for stocks and trading. They sent me a rejection email, stating I already had an account with them. They asked for the last 4 digits of my SSN, DOB, and Zip to identify myself. I did. They responded that there was a discrepancy in my answers and requested that I send a picture of the front and back of my drivers license. I did so. Then they requested that I send a picture of my Social Security Card. I did that. They said your account is under XXXX. I responded that that's not my email address and that I believe this is a fraudulent account. They responded that I joined on XX/XX/XXXX. I again replied that it wasn't me. I requested to know what information of mine had been given to them. I asked who the account name was under, what banking information they gave, what address they had on file, etc. It's been 5 days and I've still not received a response. I found two phone numbers after searching XXXX, and both phone numbers are voicemails that tell you to go to the website help section. I've sent a total of 4 emails without any replies. I have pulled my credit report, put a freeze on my credit, filed a police report, filed a FTC report, a XXXX  report, and will file with XXXX if I don't hear back by this weekend. I have saved all email exchanges up until this point and have an investigator from XXXX helping as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I followed the process outlined to revoke my EFT agreement. I received an email saying the agreement was revoked however they still attempted to process the EFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, I purchased a {$500.00} prepaid Debit Visa gift card  ( US Bank )  on  XXXX   XXXX   XXXX  from  XXXX  #  XXXX   XXXX  TN. The Card is valid through  XXXX . The card has not been signed and, AUTHORIZED SIGNATURE NOT VALID UNLSESS SIGNED is printed on the back of the card.     I tried to use the card on  XXXX  to buy furniture at   XXXX   XXXX  . The card was declined and the card had a   XXXX   balance on checking it online login and then calling to  XXXX  on  XXXX / XXXX / XXXX , I also requested to report a complain which the agent had to do it on her end but never got a response.     The card had a $   XXXX   monthly fee for inactivation. I still should have {$350.00} balance if the  XXXX  $ fee was charged for 5 years.     My husband tried calling the customer service number on the credit card but that didnt yield anything. They were able to tell the card was used 8 times but ; however, they could not provide any transaction details because that information had been purged due to being past 12 months in age.

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 2021-05-02
Company: Contemporary Information Corp
State: FL
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:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Contemporary Information is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Contemporary Information is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Contemporary InformationXX/XX/20. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Contemporary Information is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation