BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was in an XXXX Retail store on XX/XX/XXXX and during checkout I was told I could apply for an instore credit card and receive 20 % off my first purchase. I was not immediately approved and was told it had to go to secondary review. Roughly a month later, I received my card in the mail with promotional material advising that I would get 20 % off my first purchase. I made my first purchase on XX/XX/XXXX. During checkout, I said this is my first purchase, please make sure I get my 20 % discount. The store clerk advised they could not apply that discount for me and that I would need to call customer service for a code. I called customer service and was advised to go ahead and make the purchase and it would automatically be credited on my statement. I proceeded with the {$960.00} transaction. Then, I never received my first statement. I started receiving text messages and phone calls. I called right away and questioned my discount and now the assessment of late fees and finance charges. The phone representative said I needed to use a code in the store in order to get the 20 % off and that I should have received it by mail ... I paid my purchase balance in full and I was under the impression they removed the fees. This was not the case. Only a partial credit was provided and now there is an additional late fee and finance charge on my account. They have refused to remove the fees and have only issued a dispute on my initial purchase as of today, XX/XX/XXXX to get my 20 % off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
we have a charter program and we are scheduled to fly XXXXXXXX XXXX XXXX. We send the deposit to them and they should revert us all documents needed for the flight. However until now do flight was confirmed and we have asked refund to them. The 2 entity don't send any refund to us until now and they can't even provide any proof of flight. 

We settled total amount of {>= $1,000,000} last XX/XX/XXXX. We want Full refund of the total amount from their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have attempted countless times to correct misinformation on my credit files with XXXX, XXXX  and Transunion. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have tried mailing supporting documentation and uploading online but continue you to have issues.

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 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
I have emailed the department or education/XXXX  and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/XXXX  then all of a sudden report 90day late XX/XX/. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX processed my info to someone who stole my identity and issued an account for XXXX XXXX in Ohio this is identity theft not me. Account opened XX/XX/2023 Amount owed {$690.00} I have called XXXX  XXXX  to file fraud activity.i have frozen my credit with all 3 bureaus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX oh 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 2021-11-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Initially I started to get calls from Rocket Mortgage my current mortgage company holder. I was hospitalized and I was getting approximately XXXX calls per day and continued to have voicemails. When I was able, I called back they were marketing the possibility to refinance my loan. XX/XX/XXXX I spoke with XXXX and she was going to work up numbers and get back to me. When she called me back, she advised my home was worth in the updward of the low XXXX. I advised her I didn't agree with the valuation as I know home in my area have been going for XXXX on the low end. I then advised her I was frustrated as this happened to me once before with them in XXXX and I informed her I was not interested in moving forward and thanked her for her time. She said she was sorry. On XX/XX/XXXX I got a call from XXXX asking me to call him back at XXXX he wants to work something out with us. I called back and left a voicemail and informed again to please not reach out to me as I was not interested in moving forward with refi. Since then I kept getting a call almost on a daily basis from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. When these calls came in I wasn't answering as I had already informed XXXX I was NOT interested in moving forward. FInally I called XXXX back again and I left her a voicemail asking her to please stop the calls, and no need to pass me onto anyone else. Well, XXXX then proceeded to send emails me to me. XX/XX/XXXX was her first email. I responded again with no need to speak as their services was not needed. I asked to please no longer reach out and at this point its considered harassment. Well, XXXX didn't stop she scheduled us for a call, and finally had to get on the call again and I informed her to stop calling me as I will be reporting this harassment to CFPB because I simply cant afford to get several calls per day and voicemails and emails when I informed her I was NOT interested. On XX/XX/XXXX I got yet another call from another rep at XXXX Mortgages customer satisfaction team, his voicemail stated its important regarding my current mortgage. Well, because I do have my current mortgage with them, I called back. He was yet another rep trying to get me to refi my mortgage loan. I became so upset I told him this is enough and if they continue to call me, I will be in contact wth an attorney and didn't appreciate the harassment. He apologized and ended the call. now as of yesterday XXXX I am starting to get the same type of marketing calls although I continue to tell them to STOP CALLING. Im not sure what else I can do regarding this anylonger and I refuse to change my phone number to avoid the calls. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Financial Credit Network Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sold medical bill to 3rd party. Violation of hippa. Also it shows late 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 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
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 Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX # XXXX. {$2400.00}. 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.

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 2015-09-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my Transunion, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/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 2021-11-10
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX - A Request for Mortgage assistance ( RMA ) was faxed to Caliber Home Loan. 

On XX/XX/XXXX - Spoke with rep XXXX who stated the RMA was received, but not reviewed yet. 

On XX/XX/XXXX - Spoke with rep XXXX and did financial interview to start a modification review process. 

On XX/XX/XXXX - Called Caliber Home Loans, Rep stated it is under review with loss mitigation as of XX/XX/XXXX, no additional docs needed at this time On XX/XX/XXXX - Called Caliber Home Loans, Rep XXXX stated it is not in review due it being in forbearance status until XX/XX/XXXX. ( This was in complete contradiction to what was said on XX/XX/XXXX ) On XX/XX/XXXX - Spoke with rep XXXX # XXXX a XXXX. She confirmed the RMA was received. She had to escalate to the original rep to push the loan into review with underwriting. 

On XX/XX/XXXX - Spoke with Rep XXXX ID # XXXX- She stated it was never reviewed for modification. She stated that under new guidelines the client is eligible to apply for a modification even if it is current as long as it's a COVID hardship. She requested the following documents : - A new RMA requesting an FHA-HAMP/Partial Claims Combo - Bank statements for last 60 days, Pay stubs for last 30 days, Tax return for XXXX, Profit and Loss statement for self employment of last 3 months. 

On XX/XX/XXXX - The requested documents were sent to Caliber Home Loans On XX/XX/XXXX - Spoke with rep XXXX ID # XXXX - File is with underwriting, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep XXXX - File with underwriting as of XXXX, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep. XXXX - File is with underwriting as of XXXX, no documents needed at this time On XX/XX/XXXX - Spoke with rep XXXX - System upgrades are in progress and she could not give the information that was needed. Recommended we call back after XXXX On XX/XX/XXXX - Spoke with Rep Emerald # XXXX or XXXX ( Per new system ) - The review was deemed unnecessary by the underwriting team and was closed out with no decision on the modification. Rep XXXX escalated the the file with the underwriting team to continue the review with the documents that were submitted. ( No letter was sent to notify that Caliber home Loan had decided to stop the review, and no reason was given. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/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