BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I've received targeted offers for the Amex Delta Card for at least 12 months. I finally decided the apply. I have a fraud alert on my credit report, so I was approved after they verified my identity. The promotional terms included XXXX bonus miles after spending XXXX in the first six months, a {$0.00} intro annual fee for the first year, then {$99.00}. 

Within the past month, I was charged a {$250.00} annual fee. On my first contact attempt with AMEX, I was informed the issue would be resolved, and it wasn't. During my second contact, I was told I was approved for a platinum card, not the gold one I applied for. I was offered no resolution other than to reapply. However, the offer I used has since expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NY
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:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

As per my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All listed with different dates By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
While working with a construction company XXXX XXXX XXXX ) to have our newly purchased home updated with a new roof and siding we were directed to EnerBank USA to help finance the project. They offered us a 1 year " Same As Cash '' loan of {$65000.00} that would come due in full on XX/XX/2022 with no interest charged. If it was not paid by that date, back interest would be charged at 17.99 %. 
On XX/XX/2022 I directed my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pay off the loan in 2 payments of {$57000.00} and {$8300.00} respectively. The check from XXXX was received by EnerBank and credited to the account on XX/XX/2022. The check from XXXX was not credited to the account until XX/XX/2022. On XX/XX/2022 I received a letter from EnerBank USA dated XX/XX/2022 stating that since I had not paid the account in full by XX/XX/2022, it was now considered a " Fixed Rate Installment Loan '' with a balance of {$66000.00}. Meaning that they had added {$8900.00} in interest to the balance. 
I immediately called the number on the letter ( XXXX ) and after 25 minutes on hold, spoke to an agent who told me that the only thing she could do was to refer the matter to the management team who would review the situation and call me back. On XX/XX/2022 I receive a call with their decision that would " graciously '' wave the back interest if I agreed to pay {$110.00} for the new interest that had accrued since XX/XX/2022. In order to stop the harassment, I gave them my XXXX bank account information over the phone to cover the interest charge. 
I have a " Letter of intent '' from XXXX that shows that the funds were withdrawn from my account on XX/XX/2022 and mailed in the form of a check ( because EnerBank USA does not accept electronic payments ) on XX/XX/2022 XXXX XXXX XXXX with an expected arrival date of XX/XX/2022. XXXX 's claim that it took 8 days for them to receive and process the payment is belied by the fact that check from XXXX was received and process in only 3 days. It is my contention that they deliberately delayed the processing in order to extort money from 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 2023-06-22
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 an account without my written instructions I have already disputed these items but the bureaus did not remove them, nor prove validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account on XX/XX/XXXX. i had just got my check deposit on XX/XX/XXXX. i had {$960.00} on my account. i have been emailing & calling back & forth with the companys customer support system with no luck. they asked for a picture of my ID, a picture of me holding a piece of paper with my name & the date, & the last XXXX of my social. i have sent this information multiple times. they just send the same automated email back asking for the information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow up to my previous complaints. 

XXXX-XXXX  Today I was told that BoA can no longer try and resolve this issue with me because the CFPB is involved. 

Is that correct? 

Also, this is a sample email and I have attached a file below to show you how confusing they have chosen to be and how they have avoided telling me about their errors and correcting them. Not one person who looked at the spread sheet could understand what BoA was trying to clarify. They just made issues worse.

Here 's the email : Mr. XXXX, attached is a summary of the activity on your account broken out by principal, interest and escrow. I believe this detail will be helpful in explaining your monthly statements, including the Past Payment Breakdown totals. Your statements do accurately reflect the activity on your account, though I recognize clarification on the activity may be beneficial.

Id like to arrange time to go through the activity with you and address any questions you have. 

Please let me know what time is best for you. Thank you. 

XXXX XXXX SVP, Unit Manager II Onboarding & Client Experience, Mortgage and Vehicle Servicing Operations Bank of America XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX T XXXX XXXX Lifes better when were connected This communication from Bank of America may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 non-monetary relief
Consumer complaint received 2016-08-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company increase my payment by XXXX % in one month. The mortgage company paid MUD taxes. The XXXX other Mortgage Companies that I had before Nationstar Mortgage knew that I owed the taxes Before I could sell the house I knew that all taxes would have to be paid.But Nationstar Mortgage wanted the regular mortgage payment of {$1000.00} but the {$2300.00} also in one month.Nationstar Mortgage knew that I was XXXX veteran because for close to two years tried to escrowe my account.Before this I made on time payments for three years to refinance my home from 7.99 % adjustable rate.Each time they would try and escrowe my account is it put me as late They took it off my credit report for awhile But Nationstar Mortgage never told my other creditors so my score suffered.Couldnt refinance then strong along with a modification plan.then told the forms were sent by mistake .Now in a chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received correspondence from XXXX of Ally Executive Customer Relations via the Consumer Financial Protection Bureau ( CFPB ) website dated XX/XX/2021. 

However, I did not fill out a credit application with XXXX XXXX XXXX, nor did I give them permission to submit a credit application on my behalf to Ally. 

Please provide proof of my signed and dated credit application to reflect the date my credit was pulled by Ally. Failure to do so means that your agency is in violation of 15 U.S. Code1681n ( a ) and ( b ) I also noticed on your rejection letter dated XX/XX/2021 ; you do not have my complete address listed. I would never fill out a credit application without my complete address.

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 2021-03-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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:
I contacted Fifth Third Bank several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to Fifth Third Bank 's website on XX/XX/XXXX at approximately XXXX XXXX to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. Fifth Third Bank reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from Fifth Third Bank stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was hospitalized for several months due to XXXX on my XXXX back in XXXX, and at the time Fifth Third Bank was not the mortgage company. I have always paid Fifth Third Bank on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that Fifth Third Bank did this to me. As a result my credit has dropped from a XXXX to a XXXX. Fifth Third Bank is refusing to correct this, and I am hoping you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I took a forbearance because my wife lost both of her jobs. When I started to make payments, Carrington mortgage sent my payments back and informed me that I needed to do a loan modification. Everyone I talked to on the phone from carrington said " no problem you are qualified for a loan modification, just wait for the paperwork to come in the mail ''. Two years of sending documents, over and over as requested, following up via email etc etc. On XX/XX/XXXX I was told they could not do a loan modification and I would have to pay XXXX to reinstate loan. They also stated I could appeal thier decision, which I did, after consulting a lawyer. My Appeal was denied. I received the loan reinstatement papers on XX/XX/XXXX, I needed to pay the XXXX on XX/XX/XXXX to reinstate loan. Got a notice of sale via text from a 3rd party in mid XXXX. Came home from work on XX/XX/XXXX to a notice on my door, letting me know that an auction for my house would be in XXXX, then another 5 days later that stated it would be in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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