BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MD
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, Experian, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( USAA ) failed to pay my insurance company out of escrow. I spend days of attempting to get them to pay and eventually had to pay the insurance company myself and get reimbursed after the fact. This was in XXXX Florida in the days leading up to XXXX and caused my family intense emotional distress. I was eventually reimbursed for the additional money I paid in but only after about 50 hours of attempts to resolve the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi Fortiva Executive Office! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because I just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your  company directly late XXXX to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments that are reporting on XXXX and XXXX of XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization.

Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly
statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, I've personally re-assure that the payment comes out automatic and i'm meticulously paying down my payment as fast as i can, despite the COVID19 that's hurting my health now and i've lost my job at the car dealership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have hired a credit consolidation company to consolidate all my debts wich includes this loan. Now the company by the name of Premium Assets Services called my to let me know that they bought this account and are threatening me at work and my cell to take my car or my property, they are calling me at work every day also calling me at my cell even I already reported them to the no call registry now they also calling my family members to ask for me. I spoke to them and told them that I was working with a consolidation company by the name of XXXX XXXX XXXX XXXX. They say they do n't work with these kind of agencies. they want me to give them information of my bank account or credit card. Now they are calling from different numbers, and names all from the same company.This is already affecting my job and its getting really stresful, They refuse to speak to the person is handling my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an  account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: PLS GROUP, INC
State: UT
Product: Payday loan
Issue: Can't contact lender

Complaint:
I started a payday loan with PLS Cash Loan Store XXXX, Texas on XXXX. PLS later changed the terms on me and stopped doing loans in the State of Texas.Pls forced me to make payments to their internal Collection Department. I have been told by the manager if you set a payment plan and make payments then we will return your personal check, which is kept as a collateral. I have made several payments ; but this company would not keep their words and changed agreements on me. They are XXXX mailing me by holding my Higher Amount check that was written for the total amount of loan taken out. PLS Store in XXXX, Texas will not void my check and they refused to return my personal check which has wrong higher amount than what I owe them. PLS Store district manager XXXX XXXX lied and PLS sold my account to Third Party Collection agency. I had never skipped a payment while I started this account. They have changed the terms and shut down everything started to demand money upfront. so after several payments I Stopped payment to make sure my Check with be returned to me and not cashed in with that high amount written on it which I do n't owe them at all. CHECK NUMBER XXXX XXXX bank Texas written for XXXX. After making several payments they still wont return my check. This is a consumer Fraud period.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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've sent in paperwork to XXXX indicating that the bankruptcy does not belong to me. They are insisting that I provide a police report and I don't have it. I sent in my state of Georgia XXXX, an affidavit, a bill, my ss card, letter from courthouse stating they did not verify the bankruptcy, a letter from XXXX XXXX and the negative item remains on my credit report. I demand the information be deleted immediately. When you call in, the reps and managers are rude. I contacted XXXX XXXX and they informed me that XXXX has not verified it thru their company because their system does not reflect a bankruptcy. I will seek legal actions.

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 2020-09-29
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
In XXXX, 2020 I requested for a replacement card. At the time I failed to obtain the names of the representatives. Netspend informed me that I would receive my card within 7 to 10 business days. The time frame came and went. On XX/XX/2020, I spoke with netspend XXXX regarding not receiving my card and it had been 2 months and that I was unable to access my account as well. XXXX promised that I would receive my card again within 7 to 10 business days and that I would receive my card on XX/XX/2020 to my new address that I provided to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ) and that waived the maintenance fee of XXXX due to Netspends error. On XX/XX/2020 I spoke to XXXX who displayed unprofessionalism and asked XXXX to check the status of my card. XXXX stated my card was not mailed out until the XXXX of XXXX and not on XX/XX/XXXX. I asked XXXX to assist me logging in and he informed me that he would send out a temporary password, however, Netspend system continued to ask for a card number and cvv code.

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 2020-09-29
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CRESTMARK MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX ON XX/XX/2020 CRESTMARK MORTGAGE submitted an inquiry for my CREDIT REPORT WITHOUT MY CONSENT. On XX/XX/2020 I advised CRESTMARK MORTGAGE that I have selected a MORTGAGE COMPANY and did not need their services. 

CRESTMARK MORTGAE has a referral relationship with XXXX XXXX, which is a HOME BUILDER. In XXXX on 2020 XXXX XXXX   required that I get a PRE-APPROVAL with CRESTMARK MORTGAGE in order to purchase a home with XXXX XXXX. The sales person advised that it is a requirement from XXXX XXXX  DIVISION PRESIDENT and all applicants must get preapproved with CRESTMARK MORTGAGE. 

I strongly believe I was wronged by CRESTMARK MORTGAGE and was taken advantage of, which is effecting my credit score and my credit report due to the NON CONSENT to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure- Fees and Cost Dispute - Sale date XXXX/XXXX/2015. 
{$6700.00} Force placed insurance, XXXX clearly had own insurance for the entire duration of the mortgage w/ supporting docs- forced into foreclosure- lender closed the loss mit assistance file while dual tracking the file into foreclosure, XXXX could never reach for one person to handle the acct- escalations gave conflicting information always promised to call and us updates as to the status of file, but did n't. The XXXX had XXXX and since authorize someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2020-09-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously wrote a letter on XX/XX/XXXX via certified mail and and also submitted a complaint to CFPB on XX/XX/XXXX about an invalid debt account that is not mine reporting to my credit report coming from " National Credit Adjusters '' They responded to my letter saying that they would start the dispute process and place the account in dispute status. Later when I made a complaint to the CFPB the replied saying that the account is in dispute status and they were waiting for account documentation from the original creditor. It is not XX/XX/XXXX ( Basically XXXX ) and the account is still on my credit report even though I made the original request way back on XX/XX/XXXX. This is extremely unfair and hindering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted Chrysler Capital concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Chrysler Capital has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Credit Protection Association, L.P.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-08-18
Company: EQUIFAX, INC.
State: MO
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm a XXXX in the XXXX, XXXX, Georgia market. I interact with a large number of real estate agents and their companies. I 'm facing unscrupulous and illegal competition in this market by Home Star Mortgage Corporation. Home Star 's entire marketing strategy is based on illegal referrals thru their contracts with realtors on XXXX and in paying rents to brokers which are n't based on market rents and are inflated to illegally benefit the broker. In particular, their rental arrangement with XXXX in XXXX Ga. and in XXXX Ga. should be looked into. 

Homestar 's system of reimbursing the realtors or in paying XXXX bills directly for the realtor in exchange for referrals is an illegal kick back and pay to play system that has greatly affected our market, and allowed HomeStar to manipulate the market to their advantage, while reputable lenders such as myself who will not violate the rules are left to compete against an unfair business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed