BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: OR
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:
In XXXX of 2022 I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXX credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was mislead to believe that I had 24 months no interest, come to find out it was deferred interest. I had originally financed {$18000.00} on XX/XX/XXXX I had it paid all the way down to {$4500.00} on XX/XX/XXXX and they just hit me with a {$7900.00} interest charge!!! I called synchrony bank and stated I would gladly pay the {$4500.00} balance in full but they will not except that. I really need to get to {$7900.00} and 84 % interest charge off of the account and I could afford to pay the remaining balance.

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: WLCC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I applied for a loan via XXXX XXXX, and was approved on XX/XX/2020 in the amount of {$1400.00}. I the funds were directly deposited to my checking account. I had all intentions of paying this debt. I had an issue with my account and the payment was declined. I tried multiple times to log into my account to set up and discuss other arrangements. On XX/XX/2020 I sent an email to XXXX stating that I still had not received a reply to discuss my outstanding balance. I finally received a reply stating that the defaulted loan had been sent to Apex Servicing an outside collection on XX/XX/2020. 

My last paycheck had a garnishment of {$340.00}. I was concerned because I have not received any documentation about this garnishment in the amount of {$2000.00}. Per my payroll department the " Writ of Garnishment '' was received on XX/XX/XXXX via Apex Servicing. I contacted Apex Servicing XX/XX/2020, they said because I signed and accepted the loan, once defaulted Apex had legal authority to submit a " Wage Assignment '' to my employer, which they have to abide by. I would have to pay the balance in full to stop the " Wage Assignment ''. I told the operator I have not received anything in writing via mail from " XXXX XXXX '' or " Apex '' that this was going to take place at all. 

I was willing to set up other arrangements. The only way I even found out was because my pay had a large deduction, and I started investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Complaint Against Trans Union XXXX XXXX XXXX XXXX PA XXXX I was denied credit by two financial institutions based on misinformation in their report. I have attempted multiple times by phone and by internet to get a copy of my report and failed. I am complaining because there is no other way to contact Trans Union. They have failed to provide a copy of my credit report as required by law.

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 2022-07-08
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I applied for the HAF program through XXXX XXXX XXXX XXXX. I was approved and they sent to my servicer, Shellpoint! I have continuously asked about this! The file # XXXX is my identifier through XXXXXXXX XXXX XXXX 

Shellpoint claims they dont have it! 
I am in foreclosure as of XX/XX/2022. I answered the complaint. 

I am attaching the email from XXXX XXXX XXXX, my application and the verification from the processor. 

I got the offer on the trial modification..Im trying to figure out if someone was struggling with {$730.00} payment why would my modification be {$1300.00}? Do they want people to fail? 

Applying the HAF will help lower the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, Transunion, XXXX, and XXXX have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XXXX XXXX XXXX and below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME : 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I was attempting to refinance my coop with Bank of America. 
Everything was going along nicely and we were about to close on the deal when Bank of America then had an issue with my cooperative board and the deal failed to close. 
Now, in XX/XX/XXXX, I am refinancing and I have been told that there is a UCC 1 lien placed on my cooperative by Bank of America on XX/XX/XXXX, even though I never received financing from them. They placed a lien on my stock and lease prior to the deal closing and never removed it. Now I can not close on my current refinancing until Bank of America removes this lien that never should have been placed. I have called many different BOA numbers but I can not get anywhere or even speak to a representative without a loan number and there is no loan number since we never closed on the refinancing. I have also emailed BOA 's lien release department but they do not respond. I am attaching the UCC 1 lien placed by MERS as nominee for Bank of America.

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 2020-12-15
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I changed my bank account from a local bank in my home state to Chase Bank. I had already had a Amazon credit card through them. On accident I made a couple of payments that was directed to my now closed banking account. After doing it twice I finally noticed what I had been doing and changed it to my new Chase Bank account. After a couple of days I am told that my Chase Amazon Credit Card was closed because of this mistake. I have been a loyal customer for nearly 8 years and have made all my payments on time and in an efficient matter. The fact that if I make a mistake and they close it is absurd. I would like to launch a formal complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NV
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:
There are several accounts that are appearing on my credit report that I do not recognize, nor are they mine. Please remove 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I try inquiry dispute report from experian companies for delete on my inquiry report but after that come out with ( add a statement ) from the menu of my dispute I dont know what happen Please check for me and cancel my statement Thankz you

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 2019-08-07
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX I received a letter in the mail from Synchrony Bank thanking me for my application for a WalMart credit card. The application ID was XXXX. When I called the number provided, the company asked that I provide my name and Social Security number to confirm that my identity had been compromised. This would further compromise my identity and clearly this company does not value identity protection so I chose not to provide my information. The company refused to close my application and seems committed to continue perpetrating fraudulent credit card applications.

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 2021-09-15
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
New car loan with Kia Finance. AutoPay was setup on the loan to pay. The first auto payment, in XX/XX/2021, was not processed due to an unknown reason. I had to manually pay online. 
The second payment was also not processed due to an unknown reason. Attempted to pay manually again while I figured out the issue and the account was locked. 
I called Kia Finance and found that the account was locked for 90 days because the account data for the auto pay setup was entered incorrectly. Unfortunately this wasn't known earlier so it could be addressed. 
Kia now says since the account is locked and all payments have to be made by phone with a {$7.00} fee added. I called Kia customer service to get this resolved but they refused to remove the lock or remove the punitive fee. I have no choice now but to call and make a phone payment and incur the additional {$7.00} fee. 
I asked Kia customer service to resolve this by removing the lock so I could correct the auto pay, but they refused. I also asked them to waive the {$7.00} fee until the lock is released but they also refused that option. 
I spoke with XXXX from Kia Finance, employee ID XXXX to try and resolve this matter. 
My account number with Kia Finance is 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 2020-12-14
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My small business uses Square as our point of sale system. We redesigned our entire website to be able to connect to Square through an online store. Our last deposit from Square was XX/XX/2020. We were notified beforehand that deposits would be withheld until more information was submitted. Per their request, we uploaded the COA ( certificate of analysis ) for the XXXX products that we have been selling since the pass of the Farm Bill Act. All of our products are local and completely legal and we provided the documentation requested. Their website acknowledges the uploaded documents. Weeks ago, one of our employees, my daughter, spoke with a Square customer service representative and they weren't sure why funds are being withheld but were going to escalate the issue. No response was received back. Telephone contact is no longer an available option for my business. Multiple emails have been sent but only through their website so there is no record on our end and no response from Square. No contact is possible and Square is withholding the money from our customer 's purchases of actual goods from our storefront. Meanwhile, we still have to fulfill our customer 's orders without being reimbursed by Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights

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 2023-06-15
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX in the amount of {$18000.00} in my US Bank checking account by ATM XXXX on XX/XX/XXXX at XXXX AM. This was for the sale of a vehicle to XXXX. When I called customer service on XX/XX/XXXX to ask about availability, I was told there was a 5-day hold on the funds and they would be available on XX/XX/XXXX. When I called the local branch on XX/XX/XXXX, I was told that the hold is for 7 days and that Monday is a holiday so the funds will not be available until XX/XX/XXXX. There is no good reason with today 's banking system for a bank to have a 7-day hold. It's highly likely that the check has already cleared the bank used by XXXX with the funds being available to US Bank. This is just a large bank taking advantage of a consumer.

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 2020-12-14
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received a validation of this debt or a HIPA consent with my signature on it I requested 4 times validation of this information and this information is also reported on my credit report, which is another FCRA violation.

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