BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
GreenSky is a fraudulent corporation. I had 4 XXXX  treatments at {$50.00} a session, and they are trying to charge me over XXXX for services. The company I went to for the laser treatments, XXXX XXXX, left in a voice-mail that they were shocked that was happening. I couldn't even get treatments since I became XXXX and could n't drive, and due to covid, and XXXX not only closed down for awhile, but I was getting treatments on my face, which with a compromised immune system, I would be unable to do, yet GreenSky keeps harassing me via email, phone, and text for payment which threatens my good credit standing. GreenSky are dodging all my emails for an {$850.00} refund. I paid the {$200.00}, I want the other {$850.00} back for treatments I did not get done. They are very dishonest and I do not recommend anyone doing business with them. They have a 2 star review, over 300 complaints, and aclass-action lawsuit against them right now. I wish someone had warned me or I researched them but it's hard to be a trusting person in this world. Don't do business with GreenSky , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 2021-11-13
Company: CL Holdings LLC
State: DC
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 have asked the purchased creditor to send me proof of the debt owed and the contract, to no avail. I have disputed the account twice and it still shows that it is validated. 

How is it validated when the requested information was not sent to me however, it is being stated as ( validated ) with the credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Citibank fails to issue me a statement when I ask. They can not tell me how much my payments are nor can they tell me my balance or interest. My mother cosigned and filed for bankruptcy. However I have made payments continuously and on time to satisfy my loan. Citibank REFUSES to issue me a statement monthly or answer my questions when I call blaming it on my mother. 

I want to pay off my loan honestly, but Citibank REFUSES to cooperate overtime I call for a statement. I have NO IDEA what my payments go to whether its interest or principal. 

I am asking for your assistance as Citibank has been UNCOOPERATIVE in assisting me. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: NC
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 did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020

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 2021-11-14
Company: EQUIFAX, INC.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought a {$200.00} prepaid Master Card issued by U.S. Bank on XX/XX/2016. Before using the card in XX/XX/2016, I checked online to confirm the balance and saw that the card has been fraudulently used at XXXX 's on XX/XX/XXXX for {$190.00}. Since, the card has always been kept locked in my custody, I promptly called customer service on XX/XX/2016 and told them about this issue. 

The agent took my complaint and said that they will do a review. After about 15 days, I received a form which asked me to certify that the transactions disputed were not made by me. The letter said that filling up the affidavit ( form ) and sending it back was optional. However, to expedite the process, I filled it up and faxed it back to XXXX on XX/XX/2016 at XXXX AM XXXX. 

After patiently waiting for around 45 days, I called back on XX/XX/2016 to check the status of dispute. The agent said that they never received the affidavit back. This did n't make sense to me since I have a receipt of successful fax transmission to XXXX on XX/XX/<YYYY> Moreover, as per the language on the form, it was optional anyway. Since, the conversation was n't going anywhere, the agent suggested that she can resend the form to me and I can fill and send it back to them again. 

I received the form again in a few days which I faxed back to the required number very next day. 

Unfortunately, today, I received a letter from XXXX services dated XX/XX/2016 saying they ca n't help me with the disputed transaction since I reported it beyond the 120 day limit. 

I do n't agree how this issue has been handled due to following reasons : - I disputed transactions on XX/XX/2016 and XX/XX/XXXX ( again ) both of which fall in the 120 day window begin quoted by XXXX XXXX. 
- XXXX XXXX conveniently denied receiving my fax on XX/XX/XXXX even when I have a receipt showing it was successfully delivered. 

Hence, I strongly believe that XXXX XXXX. Bank are giving me a runaround for no fault of mine.

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 2023-01-12
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME FROM EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN THE ATTACHMENTS ARE XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-12-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After I tried to refinance my home loan recently I found out Expienan had wrong information about me. Despite multiple attempts to contact Experian I could not reach them. They could not even verify my identity online after I gave them my SS # DOB and address! I was turned down by the lender. How can such a careless and inept company handle our vital credit information!

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 2016-10-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account XXXX and XXXX XXXXXXXX  have violented my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: NY
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 disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2014 at XXXX am my home was XXXX way destroyed in a house fire. Over the past XXXX years I have worked XXXX US Bank Home Mortgage XXXX my mortgage company ). I had to submit over 4 times a " XXXX request '' to remove the builder off all checks, corresponds and they still continued to send him checks. I hired a scam contractor, US Bank Home Mortgage protects the builder before their own customers, even if they are dishonest. I have endlessly called them to discuss many issues with my rebuilder since the builder is NOT going to complete my home. No one calls me back. They say they will, but they do n't. My builder was able to deposit XXXX - a depreciation check, in his account even without his name on the check at local US Bank location in XXXX Missouri and I ca n't as homeowner, get the proper endorsement to complete my home. US Bank Home Mortgage could n't have been more disappointing during this difficult time. The supplemental check I still have in hand will help me finish my home. US Bank Home Mortgage knows this, still has n't helped me to endorse, making it extremely difficult. Even after faxing and emailing several XXXX party revoke letters ... they sent checks to him and they even called him regarding this supplement check. He is a scam artist. He 's very good at it too! Unbelievable! 
What has boggled my mind is that XXXX WILL NOT show the depreciation check of XXXX as part of the payments the ( scam ) builder has received. Please help with US Bank Home Mortgage because they certainly do n't believe in working with their own customers ( for over 15 years I 've been a faithful customer ). Thank you! XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney XXXX XXXX of Oklahoma, never demanded that they fix the loan, and used the money for the XXXX in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.

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 2015-06-28
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Residential Credit Solutions, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I open an account with US Bank XXXX 2016 they were offer an {$100.00} reward if you open an account have a direct depost they will give you {$50.00} and the other {$50.00} you will get once you pay a bill ..I set up direct deposit .. did not get the {$50.00} I paid a bill did not get that one either. So in XX/XX/XXXX my account became over draft and i do have that protection they charge me {$36.00} twice and then turn around and charge me {$25.00} twice so i call to see if we could resolve this and they told me that i have another {$25.00} dollars that will be charge on Monday I said I have my SSI check coming on XX/XX/XXXX in all I think that i have paid {$140.00}. dollars in over draft fees

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