BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An account was opened fraudulently in my name, using my personal information. I was traveling when the account was opened and used the same day, despite receiving another letter in the mail stating that due to my credit, they could not offer me the card. It appears as though the person was somehow able to nearly max out the card the same day that they applied for it. The amount is comprised of two purchases made online for {$2100.00} and {$900.00}. Neither of these purchases were made by me. 

I was made aware of this new card from my XXXX XXXX alerts I have set up. As soon as I was made aware of this fraudulent activity, I placed a fraud alert on my credit report for all agencies and froze my credit for all agencies. I also reached out to the credit card company that issued the card to make them aware that this card was opened fraudulently and have submitted a fraud report in writing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit bureau is not blocking the information within four days per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2016-08-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.

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 2021-12-27
Company: Exeter Finance Corp.
State: WI
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 am initiating another complaint in the reporting errors by Exeter Finance, I have looked at my most recent XXXX credit report and there are still multiple violations that violate the FCRA. Per the last complaint XXXX this account was to be labeled closed as of XX/XX/XXXX with updated information within 45 days. As of my last report on XX/XX/XXXX my XXXX report is showing a 90-day late payment for XX/XX/XXXX and my XXXX report is showing a 90-day late payment for XX/XX/XXXX. This is a closed account and still being reported as late. My XXXX score dropped XXXX points and shows my most recent late payment as being XX/XX/XXXX from Exeter finance. A letter was sent certified mail on XX/XX/XXXX stating that if this account and the multiple reporting errors that are on it is not deleted from the credit bureaus in 30 days that a lawsuit letter which already has been drafted would be sent out. I have yet to receive any kind of response from Exeter. Per the last complaint you admitted to reporting errors and stated they would be fixed which they haven't. I am being taken advantage of and being used as an example by you thinking that you have authority to do and report whatever you feel like no matter if it's wrong or not. I have included screen shots from my most recent report showing your late payment reporting errors as you stated this would be closed as of XX/XX/XXXX. There can not legally be any negative information reporting after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Mr. Cooper Group Inc.
State: IL
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:
i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This issue occurred toward the end of my HARP loan process on XXXX XXXX, 2016. I got a call from the loan officer saying the underwriter noticed a lien on my existing mortgage. I had no idea what they were talking about. I was told to contact bank of America for details. I walked into the bank and no one was able to assist me. I came back another day and someone submitted an elevated request on my behalf regarding this mystery lien. A few days later I got a call from a BOA representative and she told me that I need to get a title search done. After I got that done I called back and was re-routed to someone else who stated that the account was from another company that went out of business, the account was closed and BOA bought all the accounts. I was told the previous company was supposed to release the lien but did not do it. I was told that the lien release will be faxed to my underwriter early morning the following week. When the week went by, I called back but was once again re-routed to another person. This went on for weeks at a time. I was given reference numbers each time but these numbers could not be traced back with history of my previous calls. Finally, in XXXX, after being referred several more times I called demanded to speak to a manager and was given the number to a high level manager named XXXX XXXX. He seemed surprised that I was able to get through to speak to him as he stated that calls are usually handled through the call center. I explained that I was promised a lien release but it did not come. XXXX XXXX promised he would get that lien release to me but it would take another 30 days. I got nothing. I tried to call XXXX XXXX again but he would not return my calls. I decided to contact the XXXX. BOA had a representative ( XXXX XXXX ) contact me saying he was working on a resolution. I gave him contact phone numbers of the people who promised to release the lien. He told me it would take 15 days and he would contact me at that time. 15 days later I get a call from XXXX XXXX saying he needed another 15 days. I asked him if he contacted the people that promised me the lien release but he said he wanted to do his own research. At the end of that 15 days I get a letter in the mail from XXXX XXXX that I own BOA {$51000.00}. They never intended to help me but only help themselves. How could no one contact me for all these years ( at least 8 years ) or that this lien was not on my credit report? I need my refinance to be completed. How could BOA lie to me about releasing this lien? Is that the way they do business?

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 2022-05-13
Company: Experian Information Solutions Inc.
State: IL
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 XX/XX/2022 I received a letter from XXXX XXXX stating that they have removed a bankruptcy from my file. I have already disputed this with Experian, XXXX, and XXXX and it came back verified. This would mean that a proper investigation was not conducted which is a violation of my consumer rights. Please see attachment for details.

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 2017-09-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account has never been late and due to an error with XXXX XXXX, my Barclay 's account was made to be delinquent in XX/XX/2021 when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on 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 monetary relief
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Dear Sir or Madam, CFPB Case # XXXX has been closed in error ; Discover Financial has not given any response to their tracking data to show the " Ship To Address '' to the goods from their statement. 

Additionally, I did not request any new card, new card # or SEPARATE ACCOUNT around XX/XX/XXXX or XX/XX/XXXX. Their XXXX  data for cards shipped out will show that or to where they send any cards. The account ending in XXXX was active in XXXX and ~ 15 yrs before that. It had another person on it about 3-5 yrs ago, but Discover objected and that person removed. Since then, the card ( ending XXXX ) has been used sparingly ; it is all in their records. Why would I need a separate card # after 15 years? The Fraud was not on XXXX, but on XXXX -- the charges were shifted over to XXXX. Card XXXX is NOT current as it was NOT activated ; I destroyed it. Discover Financial has now moved the charges to XXXX XXXX where it is now accumulating interest ( see XXXX ). 


Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
i have previously contacted XXXX, Transunion, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.

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 2021-12-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage keep purposely misapplying escrow payments. I paid {$2900.00} on XX/XX/2021 at the direction of Freedom Mortgage, per email correspondence to ensure my mortgage payments do not increase, post covid forbearance. When they received that payment which I sent to the address with " escrows '' written in the payee and memo of check, Freedom Mortgage applied it to the balance of the loan. When I called to get this payment correct again, the agent hung up on me. I called back again, the next agent tells me they are required to apply it to past due balances, which is opposite of what I was told. This company needs to be investigated for this repeat issue.

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 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 I was unable to make payments on my insecure debts due to another illegal collections action which set all of this in motion. I hired a third party debt settlement group to handle my collection yet this company did ignore and did not respond to them and started calling my place of employment twice daily and my bosses started getting upset with them and me they were harassing me at my place of employment and continued to rack up late fee charges and interest to my account Now I have a XXXX XXXX court hearing to set aside a default judgement I had no prior knoweledge to being served any court papers of but I did get court papers of a default judgement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet Experian and XXXX have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.

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 2015-08-12
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: GVA Holdings, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
They are now sending Arrest Warrant emails threatening me to pay the loan back. Yes I know I still owe the loan, but they have been very unreasonable with trying to agree on payment arrangements. Now they are sending me very threatening emails.

Company response to consumer: Closed with explanation