BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-12
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.

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 2015-05-20
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EUSTIS MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX with XXXX XXXX filing this complaint on behalf of my client, the buyer, XXXX and XXXX XXXX. 
We received our executed contract on XX/XX/2021. The Loan officer, XXXX XXXX XXXX, was involved days leading up to the executed contract as expected. Closing was set for XX/XX/2021. The house was a manufactured home that needed to be retrofitted for the appraisal. The seller had limited funds so the retrofit company agreed to be paid at closing from seller, but needed an appraisal done on the property first. We knew this information on date of offer acceptance, XX/XX/2021. The appraisal was not ordered until XX/XX/2021 with no rush order attached. Myself and listing agent XXXX XXXX raised our concerns about this and asked for a rush order. XXXX refused to put in the rush order, saying it was the sellers fault for not having the property retrofitted prior to listing. I tried paying for the rush order myself, only to find out that I couldn't. XXXX would then refuse to speak with the listing agent and put me in the middle of communications. On XX/XX/2021, the appraisal had still not been picked up or scheduled, and the file had still not been worked appropriately, so we had to fire him and move to a different lender. 
XXXX then called me, and asked me why we were going on with a different lender. He had been condescending and rude to me and the listing agent and disrespectful to my clients by talking about them rudely to me. I told him that the appraisal was an issue among the communication and unprofessionalism and he said to me, " Well I will make sure to put all this back on their credit, and good luck closing it. '' and then hung up on me. He then proceeded to email my client with the email and text message that I will attach. 
My client called me crying asking me if he could do anything to them to cancel this deal. She had no concept of what was happening in this loan process and the new loan agent told me that there was still three weeks worth of work when we were set to close within 10 days. 
Please let me know if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: GA
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, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also they have violated my rights under The Financial Privacy Act of 1978. 
Names Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish a account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
My mortgage credit history was 100 % and always current. We refinanced and the history of XXXX years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.

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 2022-11-02
Company: Source Receivables Management LLC
State: IL
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:
I saw some unknown source to collect a debt and disputed it on XX/XX/2022 asking for debt validation with itemized bill and signature agreeing to pay said debt they're claiming I owe. I received a notice that does not contain any of the information it's only a letter that says I owe the money with no further explanations on it validating the claims. I called the company to obtain the correct information and tell them I did not receive anything in compliance in validating the debt and was spoken to in foul language and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX 2014 living with my grand farther in XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX 2014. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ 0High Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Contacted myprepaidcenter.com to get a replacement card that expired last year. The card was valued at {$84.00} as of XX/XX/21. When I found the card today it is now worth {$3.00} from fees to get it replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Many years ago i was going through a divorce and re financed my condo to pay lawyers and pay off a car that belonged to my ex wife but the loan was in my name. i ahd refinanced with a 3 yr ARM, my credit was n't the greatest after 3 years and i could not re finance. I was introduced to someone through a family friend that had offered to help me modify my mortgage. i paid him over {$7000.00} and he pretty much disappeared and i was left with a huge mess. I was finally after about 5 years able to modify the note buit what happened was i was given a new principal note and all the missed payments and fees were tacked on to a second loan that is due when the first note is paid off.. the balance of the second note is about XXXX this amount is not collecting any interest, but i feel that this practice is not right. at the end of the day yes i am able to pay my monthly bill but i am still under water and will never be able to get out from under. I was never told during the modification process that this would be the end result, had i known I probably would have just walked away and figured things out as i went. Is there anything that can be done? is this practice even legal? I have contacted the AGO and they put me in contact with someone from wells fargo who is supposed to get back to me after the new year but i have no hope. I feel like i was mislead and lied to. I am not looking for a free ride or to have something handed to me for nothing, but these banks were given billions of dollars from tax payer money when they mishandled their business practice and gave out loans to people who clearly could not afford them. Is there anything that i can do? i would appreciate any help or ideas. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had problems with my BJs Mastercard credit card serviced by Comenity Capital Bank since their XX/XX/2022 software change. The first problem was that my credit card was denied during my XX/XX/XXXX vacation that their Customer Service attributed to the recent software change and took a couple days for fix the problem. Since that time I have consistently had problems receiving my Awards dollars ( or XXXX XXXX  ) when I make purchases at various BJs locations. My current Awards dollars ( or XXXX XXXX  ) balance as of today is {$230.00}. It's impossible to reach a live person via their XXXX XXXX at XXXX as I've waited XXXX minutes multiple times before giving up. I have also sent multiple Secure Messages via the BJs/Comenity website and received back non-sensical canned responses. For months the following has been posted under their Awards tab : " Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. '' I have repeatedly requested a {$230.00} credit be added against my credit card balance with no response. I will be paying my remaining balance in XX/XX/2022 and will no longer use this credit card until BJs/Comenity fix problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: Van Ru Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Performant Financial Corporation
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?

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