BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
On XX/XX/XXXX I contacted Bank of America Credit Card to see what my available credit line was for the purpose of business. At that time I was informed by Customer Service that I was delinquent in my account with past due and late fees. I was surprised as I have this account set up on automatic draft as I do my other credit cards as well, XXXX to be exact. I immediately paid what was over due to become current on my account in the amount of {$320.00} plus my normal {$100.00} auto draft. When I returned home to my office on XX/XX/XXXX I began to audit my paperless credit card statements. I found that in XX/XX/XXXX between promo interest rates and new charges that my minimum payment had increased from {$85.00} to {$110.00}. I received no alerts between XX/XX/XXXX through XX/XX/XXXX other than my monthly paperless statements. During the holiday months I usually pay the minimum on all XXXX credit cards via Auto draft so that I don't have to worry about late fees. On all of my other credit cards that I have in the auto draft set-up there is a box to pay the minimum due payment regardless of change to the amount. On Bank of Americas website they do not offer this option, you can only manually enter an exact amount. On XX/XX/XXXX I received a letter from Bank of America that my {$11000.00} credit limit had been reduced to {$7500.00} on XX/XX/XXXX I made an extra payment of {$1000.00} and after careful review I realized that not only had they charged me multiple late fees and added interest rates, they also reported such to the 3 major credit bureaus which resulted in a 68 point reduction in my credit score. I have honestly never missed a payment or been late on anything in my entire life. Although I do utilize my credit for business purposes, that is a substantial mark on my credit history. I have reached out numerous times to different customer service reps which results in hours of holding times and countless repeats of this occurrence. On XX/XX/XXXX I received yet another letter from Bank of America that simply states " We are unable to approve your recent request regarding the above account '' with no explanation as to why or what they didn't approve. 

Sincerely, XXXX XXXX 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 monetary relief
Consumer complaint received 2019-01-28
Company: Wallace Management Company, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went into XXXX XXXX XXXX here in XXXX, TN on XX/XX/2018 at XXXX to start a loan and was greeted by one of the Companies Loan Reps ( XXXX ) who assisted me with opening my loan. While filling out the paperwork for the said loan I asked the Rep if they reported to the credit bureaus which her response was Yes They Do which is also posted on their website that they take out a loan with them helps you build your credit. After making two payments on time I went to check my credit and seen no trace of the payments I had made on the account, I didn't even see where they had ever checked my credit score. After this discovery, I stopped payments and went to the office and was met with a hostile employee and which branch manager XXXX XXXX had to send out of the office to allow us to talk about the account. She informed me that they were switching credit companies and she couldn't go back and apply my first payment to my credit report but that the next payment would go on to my report and thereafter. After making another payment on the XX/XX/2018 of {$65.00} still, it never was reported. I returned to the Branch again to speak with The Hostile Rep who tells me that she doesn't know what's going on and that it should be on there to no avail ... I stopped paying the loan what is the point of paying for a service I am not receiving and I was lied to numerous times as to what was going on. I was happy to pay the loan until What was advertised was not Delivered. I was paying to have my credit built and told XXXX and The Branch Manager XXXX that the whole reason I was opening the loan was to Build My Credit. Then after I stopped paying them I have received letters about Legal Actions and Picking up my security items. My question to this company if doing business by falsely advertising what you are and what you can offer your customers how you practice business?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XXXX XX/XX/2023 I filed a complaint with Trans Union in reference to double reporting on the same account. They are listing an error which is causing issues with my credit score. They came back to me on my dispute XXXX XX/XX/2023 stating they contacted the reporting party and that the information is accurate. Ive advised them it is the same account with two different information being listed as two separate accounts, which should only be 1. In addition, Ive reported to them my name is incorrect. The other 2 credit bureaus have my name correct and accounts.

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 2020-12-15
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
started receiving debt collection notices from Name : FRANKLIN COLLECTION SV Phone : ( XXXX ) XXXX Business Type : XXXX Street Address:XXXX XXXX XXXX XXXX City : XXXX State : XXXX ZipXXXX  Balance Amount : {$61.00} started multiple credit reporting - 8 entries declaring account opened on XX/XX/2020. again reported as opened on XX/XX/2020 and again reported as opened on XX/XX/2020. multiple entries incurred on my credit report for a {$61.00} medical bill that should have been paid by insurance ( and is being looked into at Hospital billing ) as to why this was sent to collection. 

complaint- multiple entries on credit report. being reported almost daily to appear to have excessive debt collections on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: STERLING JEWELERS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. The account KAY JEWELERS/XXXX  Account Number XXXX Opened XX/XX/2018, is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXSynchrony Bank changed my account billing preferences to " paperless billing '' without my consent. I have a screen shot as documentation of this change to my account. This resulted in no bills being sent to my home. Synchrony Bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only XXXX days past the due date. I never received a letter or call about the alleged account delinquency. I have had this account since XXXX with exceptional payment history and have a XXXX XXXX XXXX of over XXXX. When I called Synchrony Bank on XX/XX/XXXX after my card was declined in a XXXX XXXX  store, the representative with whom I spoke was very rude and would not provide all the details about billing I requested. The balance on my account has been increased from {$160.00} to {$200.00} due to late fees and interest. My reason for this complaint to CFPB is due to Synchrony Bank changing my billing preferences without my consent, not sending me bills or any letter stating my account was delinquent. This is simply an unfair business practice and a very poor way to treat a customer of over XXXX  years who has exceptional credit 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 monetary relief
Consumer complaint received 2023-11-02
Company: U.S. BANCORP
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I applied for mortgage relief in XXXX due to loss of income related to COVID 19. After several months and getting the VA involved, the loan modification was approved but added a second mortgage and ten additional years tof payments o my mortgage account. I went into foreclosure this year, unbeknownst to me, because XXXX  was returning my payments. I finally got this settled and got my loan reinstated only to be hit with an escrow analysis and {$600.00} mortgage payment increase. US Bank, the mortgage company, is attributing the {$600.00} per month increase to the homeowners insurance company, USAA. The premium increased by {$2500.00}, from {$5000.00} to {$7600.00}. If I do the math, this is an increase of {$210.00} per month for the annual increase of {$2500.00}. I do not pay property taxes because of my XXXX  disability rating. Neither company has adequately explained to me why my mortgage increased by {$480.00}, from {$1700.00} to {$2200.00}. Furthermore, my account was reinstated in XXXX and the escrow was analyzed in XXXX. Im being told my mortgage escrow account will be reanalyzed again in XXXX. I closed on the house in XX/XX/XXXX and my escrow is usually analyzed in XXXX. I am not sure why the escrow account is being analyzed multiple times per year. The analysis impact my monthly payments which is a big deal for me right now. Furthermore, I feel as if XXXX and US Bank are in cahoots with each other since XXXX referred me to US Bank for my mortgage when I initially started this process. When I asked XXXX what the rebuild estimate was based on, I was told the characteristics of my home not the market value. This makes no sense to me since no homes in my neighborhood are priced at $ XXXX. I dont understand how the rebuild price is more than a new build price for a nighborhood with homes ranging in price from $ XXXX to $ XXXX. I also asked if my home were to be a total loss today, would XXXX pay me the insurance value or the value of what was owed on my home and I was told the rebuild value but dont believe that response. Consumers should be able to decline insurance premiums over and above what they owe on their mortgages.

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 2022-07-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX on my house was complete on XX/XX/XXXX, title company sent me checks to pay off credit cards, I got them on the XXXX of XXXX, sent them out on the XXXX of XXXX, XXXX XXXX I got phone call/text and email stating I missed a payment on my Sams Club Credit Card XXXX 
I call the customer service to ask about the {$2400.00} payment sent to the address they gave me, said they never got it. I call the title company and they tell me that the check had been cancelled for some reason and cut the new check, I got it on the XXXX of XXXX, sent it to Sams Club XXXX XXXX XXXX XXXX XXXX, Ga XXXX on the XXXX of XXXX XXXX priority with tracking number XXXX XXXX XXXX XXXX XXXX XXXX It shows it was delivered at XXXX on the XXXX of XXXX. it had my full name, address and last XXXX of the account number on it, still can't find it, please send a copy of the check and please put the full account number on it so we can try to find it, they say that they did not receive the fax, faxed again on the XXXX of XXXX, title company said it has not been processed yet and in all of this they hit me for missed payments and late fees, account balance was {$2300.00} when I sent the check for {$2400.00}, now with late fees and what ever else they charged me with, the balance is over the {$2400.00} I already sent it, they said to sent in another payment to get it caught while they look. This card is from Synchrony bank, along with my Care Credit card, they cashed the one for care credit, but it was not enough to pay it off and it had less info on the check then the one to Sams Club. 
Now if you go to their XXXX XXXX page, all the comments are negative and everyone is asking how can they do business like this and stay in business. Dispute was filed for the missing payment and was not suppose to late fee and what not, but guess what, it happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Years ago my wallet was stolen out of my car. I went ahead and reported the incident to the police and took all the necessary steps to protect myself. However, whoever stole my wallet, has been using my information to open up fraudulent accounts under my name. I have been fighting these fraudulent accounts for months now and have been able to clean out the most of them. There is still a XXXX XXXX card on my Transunion report that will not be removed, even though the account has been proven to not belong to 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 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I recently purchased a vehicle from Us Auto Financing on XX/XX/2019 in which the cash price of the vehicle was set at {$17000.00}. After Us Auto added their fee 's for service contract, XXXX XXXX ( {$790.00} ), amongst other fee 's my contract totaled out to be {$20000.00}. I was informed that I had also purchase collateral protection insurance to cover my vehicle while also having full coverage insurance, but later found out I did not need it. I was charged for the collateral protection the whole duration of my contract even after I sent in information stating I had my own full coverage insurance. I also had a device on my car called XXXX which allowed US Auto to stop by car for being late on a payment which I was never more than a week late. They also charged me extra fee 's to turn my car back on. I recently found out that US Auto sold my contract to Westlake Portfolio Management and now I have collection on my credit in the amount of {$10000.00} I did not agree to sign a contract with Westlake Portfolio Management and was not informed until after the my contract was sold to them I have sent Us Auto Servicing and Westlake Portfolio Management a cease and desist along with affidavit of truth through certified mail and have not gotten any kind of response. I am ready to taker next legal actions to correct this issue. XXXX copies of my serve contract, XXXX XXXX, Warranty 's and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent 2 separate but the same documents and written testimony of dates and to the best of truth against a repair shop, a towing company and Western Lending who is the car lender and involved in the end result of me never being told XX/XX/2023 when they offered me a 6 month/ {$600.00} deal for {$3500.00} to outright own my car that my original car loan has been put as a charge off on my XXXX XXXX XXXX mom and my credit report, and never once sent me any written or mailed document they did so or informed me in XXXX when a XXXX loan agreement was verbally made or I would of taken thought and made a possibly better decision over the crippling situation a lender I have kept my promise and in not default of, has done nothing but be the ones who accused me without knowing the whole truth of my vehicle being towed, accused me of breaking promises to them, has hung up more than once on me, has hung up on my mom and her bank when they called to ask about charges and money they pulled on her debit card, they have denied providing me a copy of the original loan agreement to see what proof and right I don't have to be accused of this tow nobody I guess can have happen or they take my vehicle, sell it possibly to the owner of that repair shop I wouldn't sell it to who knew the importance of and knew how

Company response to consumer: Closed with explanation