BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Elan Financial Services refuses to pay out reward points when I have a statement clearly showing that they are earned and payable. My account was purchased/transferred from XXXX and Elan says they did not get the points. XXXX has no information about the account and will not talk to me. 

The account is registered in my deceased husband 's name and I am his personal representative.

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 2021-02-15
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Dream Center Education Holdings
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended The Art Institute of XXXX XX/XX/2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns The Art Institute of XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However XXXX XXXX had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called XXXX XXXX and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX check my credit report and Equifax had delete my credit report and insert old accounts. Called them and they told me to call the company for my credit card and loans. Did that around XX/XX/XXXX everything was place back. XX/XX/XXXX all my accounts was there and Now XX/XX/XXXX everything is gone again now. I have called and spoke with manager supervisor and they cant tell me what happen to my credit file and stated I have to call the company. Which I don't think is right because I have call the company last month when this happen and they stayed they have report to them. I'm middle of buying a house and now I don't have no credit file for Equifax now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My information has been transferred to another company without my consent.

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 2021-02-14
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received without requesting it or participating to any Government program a US-Bank Relia Card.

Despite many tentative to contact the Service at the indicated phone number, none ever answer the phone, but the computerized voice message lead to a never ending hold. 

I did not apply for this and want my record deleted from the system as this is a fraudulent use of my name.

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 2021-02-14
Company: Comerica
State: DE
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: Problem with personal statement of dispute

Complaint:
I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the Direct Express ( Comerica bank ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper 590s an will never let them go above that amount al least to 600 so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XX/XX/XXXX after getting a pre-approved mortgage from XXXX for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my XXXX accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX XXXX, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Other

Complaint:
The company Fraudulent information in their response to the last complaint should be reviewed thoroughly. I never had a balance of more that XXXX. The bank has stolen my deposit by charging annual fees, Fraudulent charges, and subsequent charges that was not agreed upon. The bank charges are correct. 

The bank provided different amounts of charges without any evidence. The charges accessed to the account includes fraudulent fees and retro charges for the fraudulent charges. The company credited the Fraudulent to the account, then charged the purchases back to the account. The company would like the cfpb to believe that a {$300.00} credit card accumulated charges of more than {$700.00}. I believe this is a scam to retain the deposit. 

The bank never address the Fraudulent charges that was charged by their employees. The company delayed action in XXXX 2015 with respect to the Fraudulent charges and subsequent fees to avoid or delay prosecution.

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 2021-02-15
Company: Experian Information Solutions Inc.
State: TX
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 got a wrong debt collection in my Experian credit report, and Experian declined to fix this mistake. Can CFPB help to solve this issue? Below are the time line. 

1.Experion credit report wrongly showed 1 collection as below. However, I never had any interaction with the collection agency. This is a huge mistake somewhere. I checked 2 other credit bureaus, and they did not have this collection. 

2. I called the collection agency phone number twice. The collection agency tried to search my account in various ways ( including my social ), and can not locate any account information or collection about me. However this agency is not willing to render any written form of evidence. They just asked me to ask Experian to verify it.

3. I opened an online dispute over Experion.com. Experian has the wrong data, and Experian declined to fix this mistake and kept it's mistake.

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 2021-02-15
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a tenant ( XXXX XXXX XXXX ) with the original creditor for over 5 years. Left a forwarding address ( provided approximately 30 days prior to vacating premises ) for purposes of any incidentals. Never received any written notice of incidentals or amount due from XXXX XXXX XXXX  and never received any written notice of money owed or notice of collection from " Collection Bureau of XXXX ''. Collection company ( and its employing creditor ) reported a debt that was never disclosed to alleged debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello my name is XXXX and PayPal recently permanently limited my account and isn't allowing me access to any of MY FUNDS for 6months! Im more confused than anything because I've done nothing wrong. It's impossible to get in touch with anybody to try and get a solution or a reason atleast. Ive emailed, called, live chatted, countless times and I'm ignored. I'm completely at a loss right now during this pandemic and im in desperate need of my money PayPal is holding because bills are way past over due. My email address is XXXX. thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation. 
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX  keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Credit Information Bureau, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015, I paid the original creditor, Tax Collector XXXX of XXXX {$860.00}. 

Yet, on XXXX XXXX, 2015, collection agency Credit Information Bureau verified the account with the all credit reporting agencies, and updated the trade-line XXXX to PAID then updated it to CLOSED. 

I am confused, as Credit Information Bureau has not provided me any credit, loan or service. I have documentation from the XXXX of XXXX of my paid in full payment, yet the credit reporting agencies are still allowing Credit Information Bureau to verify and update which is adversely affecting my credit rating. 

I have sent letters ( certified mail ) to Credit Information Bureau ( dated XXXX XXXX, 2015, XXXX XXXX, 2015 ) asking them to validate this account. I received no response to either letters. 

I have also sent letters and done on-line disputes to XXXX, asking the agency verify the account, yet it continues to report the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Submitted multiple disputes with Transunion on regards to. Debt validated letter received from XXXX stating they were unable to locate any account information for me in regards to the accounts placed on my credit report. I have sent in the paperwork sent to me twice and the accounts have been removed and replaced. When I call no one can give me a valid answer as to how this is being handled or why it is not been deleted or how it was validated if the creditor sent me a letter stating they didnt know who I was. I have requested a report for findings on the investigation and have not received one as well.

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 2021-02-15
Company: American First Finance, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Capitol one in XX/XX/2019 along with a phone call reporting that I will no longer be responsible for this account and they advised they would remove me. Now they never did and I am not responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Fairfield Services M, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Applied for a mortgage with Fairfield Mortgage Company in XX/XX/2016 and was approved for a mortgage in XX/XX/2016. It is now XX/XX/XXXX and still have not closed. I have been lied to about closing dates happening that never occurred. I continually get the run around about when the closing date will occur which leads me to believe they are not being truthful with me and continue to lie about what is really happening here. I continue to get lip service from XXXX, who is supposed to be the boss, that he was going to do this and that and there would be no problems ex.He said ( in emails ) that he would overide the 90 day period that the loan was good for ( never happened ) and talk to the President of the bank which he never did. Mortgage has been delayed because of mistakes made by this company that should not have been made if they knew what they were doing such as telling me to show a certain amount being withdrawn from a bank acct when in fact it was the wrong amount which caused a 3 week delay because I had to get it changed. I do n't believe they even have a bank for the mortgage but keep playing games with me till they find one. They should not be selling mortgages

Company response to consumer: Closed with monetary relief