BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2020-02-01
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: Account information incorrect

Complaint:
Inspite of many previous requests to XXXX, TransUnion, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction IN THE ATTACHMENT

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 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from XXXX XXXX XXXX XXXX., who names I have listed in various CFPB complaints in the past, continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but they continue to willfully commit harassment, ongoing threats and produce false and misleading documents in attempts to collect an alleged debt. I have attached exabits for proof of these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two balances on my Lowe 's card, which is managed by something called Synchrony Bank : a " regular '' balance that accrues interest, and a promotional balance that doesn't. I noticed on my last bill that I had been charged interest on the regular balance ; this was confusing to me because I had been making regular payments to satisfy the regular portion of the balance. When I spoke to an agent in an online chat ( " XXXX '' ) he assured me that payments are applied first to " regular '' or non-promotional balances, and then to promotional ones. But my last payment had not been applied that way : roughly was applied to the promotion ( i.e. no interest ) balance. The one before that had also not been fully applied to the regular balance. Had these payments been applied correctly, my regular balance should have been satisfied. 

The agent agreed this was a problem but said the bank would only go back XXXX  days to " reallocate payments '' and correct it. I'm not sure why the arbitrary limit was imposed. " XXXX '' couldn't tell me. 

Making matters worse, the end date of my promotional balancewhich much be paid in full by then to avoid interest chargesis not noted on my bill. Together with the misallocated payments, this seems obviously designed to lure consumers into paying interest that should not have been charged. It's not just a matter of reading my bill, either : not only could I not find the promotional end date there ( although there's a box for it ; it says " until paid off, '' which implies that I have forever to satisfy the obligation ), but important information like how minimum payments are calculated and how payments will be applied is not included either. All in all : very sketchy.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2023-07-19
Company: Experian Information Solutions Inc.
State: IN
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 am reporting Experian for trying to sabotage my credit score I do not understand Ill check my credit report daily and notice that experience has talking points away from me for nothing I havent got any derogatory marks or anything added to my credit report but my points all of a sudden dropped XXXX points on XX/XX/XXXX for no apparent reason and also had XXXX XXXX points deducted from my credit score as well so, a total of XXXX points was taken away from me within a matter of weeks my main concern is why was there XXXX points took in for my credit score on XX/XX/XXXX for no apparent reason below are pictures from my credit report of the XXXX from Experian, XXXX XXXX and XXXX. It shows that I had XXXX points.

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 2022-09-30
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, On XX/XX/2022 I called Edfinancial Services at Direct Loans- for account numbers beginning with XXXX XXXX  '' : Toll Free ( general inquiries and phone payments ) : XXXX I asked for two refunds for two payments made on : XX/XX/2022 : {$400.00} XX/XX/2022 : {$4000.00} My account number is XXXX. My current balance is {$5600.00} and they have not refunded the 2 payments made nor added the total back to my Federal Student loan balance. Please see if you can have them correct my balance after issuing me a refund for the two payments made. They did not give me an email confirmation that this request was made, I just have my phone records, which I believe is a really poor customer service experience. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
In XXXX, XXXX, I made a mortgage loan with Rocket Mortgage, for {$100000.00}. In XXXX, I refinanced with XXXX XXXX XXXX which I understood would require paying off the Rocket Mortgage balance. All payments were on the Rocket Mortgage account were made timely, through auto-pay. Rocket Mortgage took the XXXX, XXXX, payment in XX/XX/XXXX. On XX/XX/XXXX, they took a XXXX payment that was not due until XX/XX/XXXX. My XXXX, XXXX, statement from Rocket Mortgage shows a principal loan balance of {$99.00}, XXXX. They advised XXXX XXXX that the pay-off balance was {$100000.00}, which was more than I had borrowed, and after a year of payments ( principal and interest ). This does not seem to be factually or legally correct, and constitutes a fraud on the consumer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A {$1000.00} payment was made from my PayPal account to someone I did not know. I don't know how this happened. 

I called PayPal to let them know this was unauthorized, and they said they could not prove it was unauthorized because they could not show any unusual login activity. They apparently determine " usual '' login activity based on repeated logins, so all they really determined was that the hackers waited a while before executing the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the Middle District of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in Equifax, XXXX XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

Equifax credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Note : I was able to file dispute successfully online on Equifax XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXXXXXX 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 XXXXXXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. XXXX  Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Throughout the pandemic pause Navient has continued to take payments as scheduled. I initially called and filed for a pause when my dental office was closed in XX/XX/2020 which a Navient representative approved during our conversation. The regularly scheduled auto-payment however was withdrawn on schedule. All subsequent payments have been withdrawn since. During the time of the pause on payments and interest the payments have been taken with interest. On one month, XX/XX/2020, the payment was on time, and put to interest only. To date Navient has taken {$4600.00} in interest during the pause on interest. Early on, Navient representatives were apologetic. Now they state that my loans are owned by them, not the XXXX. of XXXX. I checked online and the XXXX. has Navient listed as my loan servicer, and still as the federal loans that they always were. 
Any help dealing with them and getting the interest changed to principle would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: The Moore Law Group
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved in XX/XX/XXXX, spoke to the office manager XXXX to let her know the smoke in the apartment as well the disregard in cleanliness were overwhelming. 
XX/XX/XXXX - Sent a follow up email asking for help to resolve this, heard nothing back. On this day, I bought cleaning supplies for about a XXXX dollars to try and remedy the smell. 
XX/XX/XXXX - Asked the office for help again and did not hear back. 
XX/XX/XXXX - Reached out yet again, received a response that they would credit me the cleaning supplies but nothing to get rid of the smell. Let them know that there were cigarette stains/ burn holes all throughout the bathroom and no response. 
XX/XX/XXXX - After spending months stayed with friends, asked if I could terminate the lease as nothing had been done nor was any other option given to me to not have to live in a smoke filled apartment. Reached out to the office to let them know my mailbox was broken into for the XXXX time as well. 
XXXX XXXX They quoted me the termination fee. 
XX/XX/XXXX - XXXX, Office manager, said I would not have to pay any other additional fees. 
XX/XX/XXXX - XXXX my final bill ( attached below : moveout statement ). Explained that I was moving because conditions were not as promised and nothing had been done, but no response. Never received any notification on an additional bill.

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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent charges from XXXX were made on my account in the amount of {$29.00} on XX/XX/23 and XX/XX/23. The fraud was verified to be true but Chase Bank refuses to credit my account because they said it was past the 60 days. I reported it as soon as I recognized the fraud happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

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 2021-06-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It is important to know that the home we lived in was scheduled for demolition giving us less than a month to vacate at the time. 
I had been working with First Citizens Bank ( XXXX XXXX ) to obtain a 15-year mortgage loan. During communications I specified on numerous occasions that I wanted a 15-year loan. ( Loan # XXXX ; for XXXX ) Two days before closing XX/XX/XXXX ) and the deadline to vacate our residence, I met briefly with Mr. XXXX to provide requested documents and inquired the amount of my monthly payment. Mr. XXXX informed me that my payment would be {$880.00} ( less escrow ) I ask Mr. XXXX how he had managed to get a payment that low on a 15-year loan? He informed me that it was a 30-year loan. I told Mr. XXXX that I did not want a 30-year loan that I had repeatedly requested a 15-year loan. Mr. XXXX told me that it would take at least three weeks to re-do the loan. He knew that I didnt have three weeks because I had to be out of the house by the XXXX of the following week. ( about 4 days- demolition on the house was already taking place. ) Mr. XXXX informed me not to worry that to wait a month or two and he would re-do the loan and that I would not be required to pay closing cost again. This never happened. 
I kept requesting a 15-year loan and First Citizens started the process at least 3 times XX/XX/XXXX ; XX/XX/XXXX ; and the third time I dont recall the date. 
I closed a second time in XX/XX/XXXX costing me approximately an additional {$6000.00} in closing cost. Plus my families future standard of living has been reduced due to paying elevated interest that I should not have hade to pay. This does not include the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company does not allow consumer to dispute pending transaction & forces consumer to call when disputing any transaction Company website states I am pre-approved for Quick Silver Card & Representative unable to convert or approve for said card per conversation on XX/XX/19 After conversation, offer disappeared from Dashboard ( next to 'credit score ' )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: IL
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 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.

Company response to consumer: Closed with explanation