BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
7 months ago I had an error where I couldnt access my online banking. This was stated to be a browser issue but was never stated to me until they jacked up my credit and hit me with late fees that is out of my control. I was locked out of my account and attempted to explain this to them. They offered help at first but never fixed the issue. On their end, they cant see the issue and being that there is a lot of fraudulent activity with cyber services and was locked out of my account I refused to give them every single bit of information ( social security, etc ) I attempted to resolve this with them multiple times and are still until this day are offering no help to resolve the issue. I made every attempt to solve this and my next action is obtaining a consumer attorney and filing a civil lawsuit at whatever cost because they are not an ethical company. I figure Id tried hear first. The company I am dealing with is FS Genesis Card Services. This company should not be legally allowed to offer any kind of financial service to anyone. I have had multiple employees from FS Genesis Card services acknowledge the wrongdoings and still offer no help. These calls are of course recorded for quality assurance. The comical aspect of all of this I have another credit line with their company with every single payment made on time : ). Any license XXXX XXXX holds should be revoked along with the other executives of this extremely fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my student loan ( CAPITAL ONE BANK USA N A, XXXX XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly been called during work by Capital One Credit, and they also helped cause me to be terminated from my employment at USPS in XXXX Wisconsin, becuase I would get upset and yell at them. They have done this since XXXX of 2021. They also when setting up the account had me photograph and send them my dirver 's license, which is a Real ID license. I feel this is illegal. Real ID should not be copied or Photgraphed ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: C/C Financial
State: TX
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 have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$0.00} account # 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

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 2020-01-02
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I apply for an on line loan with Lending Club and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 3 years with a balance owed XXXX. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date. Sent a Validation of Debt letter XXXX XX/XX/2019 to date never received payments paid should reflect 30 payments at {$980.00} last payment being credited XX/XX/2019. Note I was never offered " Lending Club to Beta Hardship Plans for Borrowers ''. I feel after having a strong payment history the representative or a manager should of made an attempt to assist me with their Hardship program not wait 120 days and make the loan a Write Off not allowing a payment plan they outsourced to collection agency XXXX XXXX that was unable to answer my validation letter under the Fair Debt Collection Act providing payments made and what is owed and to seize and persist all interest owed until investigated. This borders extortion to pay the debt what we say it is without a proper validation requested missing my 30 payments on the returned validation from XXXX XXXX. Any Judge in Virginia would concur this is not good business practice for a consumer undergoing a hardship or life experience. Just to provide a copy of an agreement and not meeting the validation letter request is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX  has been reporting  XXXX  balance accounts paid off by a loan consolidation as collection accounts impactin g my credit score  negatively.

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 2020-01-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home thru XXXX and closed on this refi on the XXXX of XXXX. Our original lender Lakeview Loan Servicing refused the payoff from XXXX citing that Lakeview sent out our property tax payment to XXXX XXXX. I was not notified of any of this until the XXXX of XXXX, when Lakeview called me to tell me I was past due on my mortgage by 15 days. I called the title company, who then informed me that Lakeview had refused the payment due to it being sort XXXX dollars due to the escrow payment. The title company had sent out the property tax payment as well, and the county cashed that check, and returned the check to Lakeview. They are refusing to acknowledge this happened, even though the county verified that they did not cask the check from Lakeview. So they have been unwilling to do anything besides charge me a late fee and demand I continue to make payments to them. XXXX sent a check as a paydown, so that I didn't owe a late payment to Lakeview, in order to get all of this settled, but Lakeview has refused the paydown of XXXX ( the original payoff quote they gave the title company ). I do not know what to do, as I have a balance of XXXX owed to both Lakeview and now XXXX. XXXX has been trying to fix it but Lakeview keep refusing.

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 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Counterfeit checks were deposited and cashed from my Business checking account, none of which were authorized. I contacted my banking institution within a timely manner ( 24hrs ) and have gotten no response back. The 1st 2 checks were deposited on the XX/XX/XXXX for {$7300.00} and {$7600.00}. Banks were closed on the XXXX of XXXX, I called on the XXXX to report it. The bank took a claim and said someone will get back to me in 2-10 business days. Another check for {$7600.00} was deposited and cleared on the XXXX of XXXX for {$7600.00}. I again called and notified Suntrust on the same day, and another report was taken. Another check for {$4800.00} was deposited and cleared on the XX/XX/XXXX. Again, I called Suntrust to report it and why they keep clearing these checks. I was told it would take 30days to get a response back, meanwhile I am out {$28000.00} plus bank fees. To this very day, Suntrust has not gotten back to me with a single phone or response of any kind. I need assistance because I make daily calls to the bank and I keep getting the run-around.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: NC
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:
My complaint is on Experian Credit agency. Back at the end of XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. Experian has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

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 2021-06-22
Company: DAS ACQUISITION COMPANY, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were pre-approved for an fha loan by a lender at USA mortgage in the beginning of XX/XX/2021. We were sent a pre-approval letter as well as our realtor thay was assigned to us by the lender at the company. We were told to go and make offers and find our home. We look for weeks, looked at many homes found one, made an offer didn't get it. We kept looking then we found the one. Made the offer told the loan officer about it he gave us number like what to expect for mortgage payments and such and then our offer was accepted. Now we are at the end of the closing process and the lender calls abd says there is an issue on the XXXX report. Not denying there is, however, we asked why this report wasn't ran wheb we were pre-approved and were told via text message, " a XXXX report can not be ran until a fha case number is assigned and in order to do that you need to be in contract '' so my grievance is : we were lied to about the XXXX report not being able to be ran, we were told to get into this binding contract and started packing and investing money into loving into this home and USA mortgage is the reason we entered the contract in the first place. I fear litigation charges from the seller as they called weeks ago told us there was an issue. Called right back within 5 minutes and said they were mistaken everything was fine, then last week they finally ran the XXXX  days before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CNG FINANCIAL CORPORATION
State: CA
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:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute

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