BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was just reading this link about the bankruptcy with XXXX Colleges. XXXX XXXX. There is a section stating that this case does not include federal loans and to contact your servicer for more information and to file a complaint if they do not provide information. I called Genesis and was told that the ruling did not include private loans, only federal loans. I am worried because Genesis sold my loan to another company and they will be handling my payments as of XXXX XXXX, 2015. Am I misunderstanding your link? I was under the impression that Genesis loans were the loans to be reduced 40 %? If they 've sold my loan does this mean they will not have to do this? I feel I was mislead by XXXX. I was only aware of my Genesis loans, not the additional {$26000.00} in federal loans and I can not afford to pay XXXX. That would total {$560.00} a month on my $ XXXX salary. What do I need to do to become part of this?

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 2015-05-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I had to short sale a house through XXXX which was done successfully on XXXX XXXX, 2010. This company was purchased by XXXX XXXX who claim they have no record of the transaction and referred us to their debt collection company, XXXX, who claims they have no record of the transaction. XXXX 's entry on our credit report says foreclosure not closed. The entry of forerclosure not closed or short sale prevents us from refinancing our house even though we have very good credit. Equifax does not have a clear way on their web site to dispute an entry. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Academy Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 my XXXX XXXX School was to partner with XXXX XXXX and XXXX XXXX from Academy Mortgage to offer a 3 hour continuing education course for XXXX called XXXX at their office located at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ. We agreed Academy would pay a {$100.00} sponsorship fee ( which included a {$50.00} discount for hosting the class ) in addition to attendees paying {$20.00} per ticket via our registration website on eventbrite at XXXX. On the day of the class we had XXXX people attend who did not pay and XXXX people who did pay and could not figure out how this possibly happened. We taught all of them, and had to provide continuing education certificates regardless of if they paid to attend or not. We also tried to collect the {$20.00} fee after class from unpaid attendees and were unable to collect payment after the fact from XXXX students. We later found out Academy Mortgage had fraudulently reproduced a similar registration site on eventbrite.com with our school information and sold FREE tickets to our event without our knowledge or permission. The course they sold free tickets for is the intellectual property of my XXXX XXXX School. We learned this information from XXXX XXXX who sent us copies of their free tickets from Academy Mortgage and we had to honor ( copies of tickets attached ). At the time of the class Academy also invited XXXX additional sponsors to participate without any prior knowledge or permission from our School. I learned XXXX of the sponsors was with XXXX XXXX XXXX XXXX and another was with an insurance company but I was never able to identify which one. XXXX XXXX XXXX XXXX was sent an invoice for sponsorship which they paid promptly. Academy Mortgage refused to pay the invoice for sponsorship they agreed to XXXX XXXX, 2016 and offered XXXX agents a free benefit while allowing XXXX others to pay which is not fair. Both XXXX and XXXX acknowledged the {$20.00} fee in an email attached on XXXX XXXX, 2016. When XXXX XXXX and XXXX XXXX were confronted with this information, I was asked to speak with their supervisor XXXX XXXX. During our phone call when presented with the aforementioned information I was hung up on. I tried to collect the debt from Academy Mortgage numerous times unsuccessfully and they are still actively promoting XXXX classes. I do not want this harm to ever happen to any other persons and hope Academy Mortgage along with XXXX XXXX, XXXX XXXX, and XXXX XXXX will be held accountable for their blatantly fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance. 

I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to " verify my identity '', which I complied with by sending them the documents more than once as Target claimed they " did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity. 

But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they " need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed. 

Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied to receive my free annual credit report and was denied. The site asked me what company I received my mortgage loan from, what month those loan payments fell on and how much those payments were monthly. I 'm XXXX and do not have a mortgage nor a need for a mortgage loan, nor have I ever applied to receive a loan from any bank at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed several times with Equifax and no actual investigation has taken place due to the followingXXXX XXXX # XXXX - Outdated, past the statute of limitations, inaccurate and disputing with creditorXXXX Mtg # XXXX - Outdated and inaccurate past the statute of limitationsFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an errorFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Advantage Credit, Inc.
State: FL
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:
Advantage Credit and XXXX XXXX loans pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is regarding original case number XXXXfiled on XXXX XXXX. Today is XXXX XXXX and the company responded on or around XXXX XXXX. By their own admission they are unable to locate this fraudulent account by my name ( document proving this attached ) yet they have not taken this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband has been sick, We were in and out the hospital since XX/XX/2016. He passed away on XX/XX/2016. I am trying to deal with all money being cut off and then restated. I informed Wells Fargo of the problems I am having and that it would take some time to straighten it out. I have faxed the death Certificate twice to them.Our mortgage company WELLS FARGO is calling every 15 minutes. Today the lady informed me that they are foreclosing on the house. I consider this harassment after i have followed what they told me to begin with. I called them they informed me they needed Death Certificate Faxed to them

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 2016-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi Equifax hope you having a pleasant day, I am sending this to you again, there is a fraud Address on my report and I have asked you guys to take it off. The fraud address is XXXX XXXX XXXX XXXX il XXXX Please remove this fraud address. I have submitted copies for the 8th time to prove who I am Thank you. 
I was out of the country for awhile and I had a lot of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Today I made a deposit to my Wells Fargo checking account. It was a check made out by me, to me on our credit union account. The check was for {$500.00}. As you can see from the receipt, WF gave me instant credit for {$400.00} and delayed the balance - {$100.00} - until tomorrow. Is this common practice in banking? What if I was expecting a check to come through my account today and WF failed to cover it because they did not recognize the total deposit. Would I therefore be responsible for over-draft fees? Just thought that since you are looking into Wells Fargo and other banks, you might want to consider this. It was a first time experience for me.

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 2015-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. 

See documents attached, Thanks much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.

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 2015-12-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Three B Financial, LLC
State: LA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a payday loan from this company.I notified them more XXXX days in advance as they only require XXXX days notice by email and I also called.I asked to be set up on a lower payment of {$50.00} because my hours at work were reduced dramatically and I also notified them that they did not have my authority to deduct any amount in any form from my checking account.I was denied and was told that my only option would be to pay it out. If I could do that, that would have been done.This company is going to deduct from my account without honoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: I.C. System, Inc.
State: KY
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:
I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.

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 2016-09-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.

Company response to consumer: Closed with explanation