BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX REFERENCE : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX. 

BANK OF AMERICA IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.

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 2022-03-08
Company: Resurgent Capital Services L.P.
State: IL
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:
I never signed any documents for the companys to view my credit history. nor signed for a 3rd party debate collector to view my credit -LVNV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was with Ditech. I became unemployed and missed payments, they kept chatging me field rep fees. I argued about this, sold furniture from my house and borrowed from a friend to bring current. They charged more fees. Then did yearly assessment in XX/XX/XXXX and raised my house payment. Then sold my loan to XXXX who did another yearly escrow assessment and raised my house payment again. I just got a job making significantly less than before. Ditech didnt apply payments right and chrg fees. I cant get proof of this because they have blocked me from my online acess since loan sold. XXXX is just as bad, uneilling to help, told me if i dont pay new amount ill lose my house and not their problem i cant afford things. I never was late on house payment till XX/XX/2018. Now im getting charged more fees from this new company and it seems like they are wanting me to lose my house. I signed the petition against ditech on lawsuit, after i did is when my loan went to XXXX and they are worse. I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of XXXXXXXX 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 explanation
Consumer complaint received 2018-02-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with Amerisave in XX/XX/XXXX. They were supposed to pay our first property tax bill in XX/XX/XXXX through escrow. The escrow was completely paid for at closing. They didn't pay the XX/XX/XXXX tax bill. 

I called Amerisave on XX/XX/XXXX and sent them another copy of the property tax bill. Since then. I have called Amerisave 10 times and each representative has told me they will take care of it within 2-10 business days. Meanwhile, I have hundreds of dollars of overdue tax fees on the tax account. One of their representatives told me it was Amerisave 's responsibility and that they would pay the overdue fees and tax bill. Yet, no one is paying the bill. 

It still isn't paid and today ( XX/XX/XXXX ), I received an email from them saying they needed to " research '' the situation. I am genuinely concerned about losing my home and the hundreds of dollars in overdue tax fees that have accumulated due to their lack of service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: ALLY FINANCIAL INC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently reviewed my credit report where I discovered that ( ALLY FINANCIAL ) reported what was notated as a ( LATE PAYMENT ) for an Installment Auto Loan account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) ) any information placed on my Consumer report should be based in accordance to my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Background : On or about XXXX, I entered into an agreement to purchase an XXXX  system from a reputable local dealer/integrator. 
A pivotal factor in my decision was the 'zero-interest ' financing offered by Home Depot through their Consumer Credit Card issued by Citibank , N.A . 
I was approved for a credit limit of {$14000.00} ; my first statement was dated XXXX. 
During the setup of this account, two decisions were made with the assistance of a Citibank representative. Both decisions proved problematic : o The Paperless Statements option was selected. 
o Auto-payments of $ XXXX were established. 

Issue : On XXXX, the XXXX promotional period ended. Unbeknownst to me, the total of auto-payments was insufficient, leaving a balance of {$2800.00}, triggering a lump sum interest charge of {$5400.00}. 

Explanation : My intention was always to pay off this credit account within the promotional period. 

Due to a change in my email security settings, Home Depot email statement notifications were filtered into a Spam folder for the past two years. I have not seen any email statement notifications since that change. 

I had mistakenly assumed the XXXX XXXX monthly payments were adequate. I expected that the Citibank representative would have advised me on the proper monthly payment during the account setup. 

Beyond email notifications, a call or text from Citibank to inform me of the carried balance issue would have been a professional courtesy. If notified, I would have paid the balance before the promotional term ended. 

Responsibility Acknowledgment : I acknowledge my responsibility to manage the account and pay the balance within the 24-month promotional period.

I also believe Citibank should bear some responsibility for failing to advise me on appropriate monthly payments and failing to make a better effort to notify me of the term 's end.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 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 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2023.

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 2019-07-05
Company: CORELOGIC INC
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a copy of the letter I sent to " CoreLogic Credco '' CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX Previous Home Address XXXX XXXX XXXX  XXXX, Vermont XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " CoreLogic Credco '' never responded or complied with my request. I will send them the letter again via certified mail.

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 2021-05-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 

They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I never had dispute or charge in my account. 

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX I am waiting for more than 180 days. 

Please paypal i want get access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Delete Late payments from XXXX XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2019-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
The credit card issuing company reported that I was over 30 days late on a payment. It turns out that the company had switched me to an electronic payment system instead of sending a paper invoice. If I had agreed to this change it was probably hidden among other matters and not in the forefront. I really do not remember agreeing to such a change. 

When I became aware of not receiving a bill about the same time that they sent me note saying that a payment was returned unpaid. On XX/XX/XXXX I called Bank of America ( XXXX XXXX ) and was told that my payment was returned. She could not tell me why. But I specifically ask that I get a bill right away in the mail and that I wanted to pay it to avoid any credit problem. She ( XXXX ) said she would do it. Then I decided to call back and I talked to XXXX XXXX. She told me I owed {$120.00} so I gave her bank payment information and she gave confirmation # XXXX. So I thought it was paid. 

But then I finally get a paper bill that I had asked for and it showed that my balance was {$130.00} with fees charged. I had already suspended use of that card. 
( 1 ) So, Why did they return my on time payment in the first place. That account always had sufficient funds. 
( 2 ) Why when I talk to this company did they not honor my intentions and show that my payments are good and would be made. ( Never a late payment since being a customer ) ( 3 ) Why would they blemish a credit report of a long term loyal customer? 
I did send my check # XXXX for {$130.00} on XX/XX/XXXX before I had received their bill. 

I think that Bank of America should erase that late payment off my account and I should not have to pay a returned check fee unless they can show a valid reason for returning it. I no longer need or wish to do any business with this credit card company. I hope that other customers are treated a little better.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: MO
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:
My spiel ( thank you in advance ) : On XX/XX/2020, I signed up for a Banana Republic credit card. I am very cautious with my credit score and always ask about hard checks. I consented to a hard credit check  with PayPal Credit as they have a financing feature I can use at any store, anywhere. I plan to use this for furniture for my first apartment. I definitely did not consent to a hard check at Banana Republic, and was misinformed by the store salesman there. I worked a few different retail jobs, and I know how much there is to remember. I can definitely see the salesman not knowing or forgetting that the credit card was a hard check ( I asked ). I'm not sure that's something all managers would even tell their employees unless they asked. But I know I would not approve of a hard check for a store card that I've used only once. I don't have my car with me right now and so I ca n't drive to that mall, I have to take the train. 
Thank you for reading and any help you can offer.

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