BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with US Bank and promptly deposited a personal check from my uncle to help me cover bills from my recently ended unemployment until my first paycheck arrived. I was assured there would only be a three day hold when I deposited the check on XX/XX/18. It is now XX/XX/18, a freeze has been placed on my account, I've been accused of fraud, I've had to leave work early to meet that branch during their office hours and still have received no solution. They will neither let me have my funds nor close my account. As a result, bills have bounced and I've had to address issues with creditors. I have called their 24 hour hotline and they still refuse to help me and insist I go to their branch during business hours.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue.

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my credit score and financial standing, and I believe they should be thoroughly investigated.

inconsistent with my financial activity. I am concerned that these inaccurate entries may impact my creditworthiness unfairly.

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 2023-04-29
Company: BARCLAYS BANK DELAWARE
State: NV
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:
Barclay Card has closed all of my accounts as what they claim 'negative experience ' without detailed information in 2018. 

I have over $ XXXX available credits with all other banks and over 100 credit cards and 15 years ' experience with no 1-time late payment or delinquency.

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 2017-01-24
Company: Summit AmeriFirst Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy back in 2012 on a 2nd mortgage on my property and it was included in my BK so I was told by my lawyer I did not need to make payments but the loan would sit on my title until I refinanced or sold the property. I am currently going through a refinance now that I am past my 5th year from BK and my lender is getting a payoff from Amerifirst Financial who held my loan which started at XXXX and before filing our BK we were paid down around XXXX and now Amerifirst is saying my payoff to satisfy my lien release on the property to close my loan is over XXXX payoff. I question how my payoff can be XXXX more than when it was discharged as part of my BK? I believe this to be mortgage fraud as this lender Amerifirst is trying to add funds to my payoff well over what I owe them. I am not responsible for any additional fees or interest accrued once my BK was filed and satisfied. My account number with Amerifirst was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: SYNCHRONY FINANCIAL
State: MD
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:
While in XXXX XXXX I was deceived to use pay pal credit. They offered financing deals on purchases depending on the amount of purchase without reporting to credit bureaus. While Im XXXX I was on time with payments and regularly made payments. On 2-3 different occasions Im XX/XX/2019, XX/XX/2019, and XX/XX/2019. And PayPal failed to advise of any missed payment even as I reached out to them to make payment. Representatives were often confused or advised payment could be done at a later time. Recently, I checked my credit report and seen that Synchrony Bank took over PayPal Credit. This information was not provided to me and my credit information was not advised to be reported to any of the bureaus. Ive been getting notifications every month of late payments from the previous mentioned dates and reporting of my credit for this account. Also unaware of this account, it is also being reported that the account was closed by consumer. Not once have I spoken to PayPal or synchrony advising them of such. I also never was made aware of any account closure by mail or email and have paid my bill every month on time. I am asking that these late payments that violate the fair credit reporting act, damages from failure to obtain new credit at favorable interest rates, damage to my personal and business reputation are REMOVED immediately. This issue has been widely documented from many consumers and I didnt even realize how they scammed me and my credit reporting as well as others!

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 2023-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was notified by XXXX XXXX that my Wells Fargo credit card limit was decreased from {$7500.00} to {$6100.00} at the beginning of XXXX. This put my credit card utilization at 98 % usage and caused my credit score to drop 40 points. I was told by Wells Fargo that a letter was sent out, yet I did not receive a letter notifying me of this. I have had this particular credit card with Wells Fargo for 10 years with no late payments. I have my checking and savings accounts with Wells Fargo as well as a persona loan. My complaint is that no one took into account the banking relationship that I have had with Wells Fargo and arbitrarily decreased my limit without notification. I am in the process of purchasing a home and this has severely effected my credit score and no one at Wells Fargo can give me a satisfactory explanation as to why this was done. It questions the integrity of who is making these banking decisions and why a long time customer could be considered a risk at a bank that handles the majority of my banking needs. I question continuing the banking relationship if this is not resolved satisfactorily.

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 2021-06-25
Company: Informative Research
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: Credit inquiries on your report that you don't recognize

Complaint:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest. 
Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I bought XXXX airline tickets using credit card .but after three days get emergency ca n't fly on the dates .so I call credit card and did disputes. 
After few days they send me letter in mail explain to me about dispute. 
That 's was give me XXXX credits for XXXX airplanes tickets and they will process the dispute. 
I call that credit card to let them known l do n't want to loss that money if you ca n't getting the money so I could Chang that date for the tickets with airline but credit card company told me it 's no proces and we credit your account and that 's finally, l said that letter do n't say she said discard that letter. Month later get changed on my statement for that XXXX tickets and send me a letter telling me we ca n't get your money back. So I call the credit card but their answer was we are very sorry

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 2017-03-31
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a rep in XX/XX/XXXX and explain not to call my work place due to repeated calls. I received more calls to my work place after.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was refinanced with the money source NMLS # XXXX in XXXX. I received a billing statement from them on XX/XX/XXXX. I made a payment of {$2200.00} to the money source on XX/XX/XXXX even though no amount was currently due. This is when the problem occurred. The Money Source did not apply the payment and didn't notify me. They did not refund me the payment either. At the end of XXXX, they notified they were selling my account tXXXX XXXX XXXX ( XXXX : # XXXX ). I called them asking why this notice didn't reflect the payment I made and they said it would post with the transfer to XXXX XXXX. That didn't take place. I then called them again on XX/XX/XXXX and XX/XX/XXXX and emailed them on XX/XX/XXXX. No method produced results. I called them on XX/XX/XXXX and they said they sent the payment to XXXX XXXX by wire on XX/XX/XXXX but XXXX XXXX said they didn't receive anything. At this point, I made a payment on XX/XX/XXXX and was not made aware that they wouldn't post the payment and they didn't refund it. Each day they hold my money, I pay approximately {$30.00} in interest on my mortgage.. Since I wasn't told about this and no communication was made to me and the funds were reversed, I feel like I'm entitled to my full payment and the interest I accrued on my loan while they held my money for free that I intended to pay a loan with. My XXXX statement ( that i had to pay again ) reflects {$970.00} in interest per month. That's {$32.00} in interest per day they're costing me and we're at least 20 days in since last payment ( {$640.00} as of today ). 

I just want my money and the interest they cost me by holding the payment. This could have been avoided if they told me or gave me options to refund it or hold it, but deceitfully they held it without telling me when they should have applied it to the loan. 




reference : XXXX XXXX wired on XX/XX/XXXX. {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We were victims of identity theft where someone opened a fraudulent credit card consumers account with XXXX XXXX and charged other peoples credit cards under our business then had those funds routed through a bank account at Sun Trust Bank with  our name on it. We have already been released from liability from XXXX XXXX who issued the consumer credit card reader but Sun Trust Bank is still sending us collection letters. We have spoken to them many times over the past 3 months and each time the Fraud Department says they will get back to us and then they don't and still we are getting threatening letters saying they will turn us over to collections if the balance isn't paid. We sent them a certified letter on XX/XX/XXXX that we printed from the IdentityTheft.org website along with all supporting documents of the crime, including the local police department 's incident report.

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 2023-09-18
Company: RFNA, LP
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Republic Finance reported two XXXX  to XXXX identifying my account as unrecoverable. I was under a payment arrangement with XXXX when Republic Finance pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out Republic Finance reported my account to XXXX as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate tradelines on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the Texas XXXX because this company 's practices are attrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it as soon as possible.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED XXXX  XXXX NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n 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 XXXX : # 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 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 2017-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I previously disputed santander credit reporting with Equifax and received verification results that the account was verified as mine. It stated in the response that historical account information was deleted however it was never done. I was never 90 days late and that invalid derogatory information is harming my credit integrity. After I was notified of the removal of the historical account information it wss continuously reported on my credit as 90 days and I was never 90 days late. Now this account shows 14 90 day lates and I need ever had 1 reporting after the repossession all the way until I paid the account of in XXXX 2016. XXXX repossessed the vehicle at 85 days so that was n't ever 90 days. This invaild reporting is harmful and causes me to be denied for credit and to be given unfair interest rates due to the excessive late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: VA
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:
EXPERIAN IS UPDATING EVERY MONTH AN ACCOUNT which status says closed. Who is updating it? Clearly not the Original alleged Creditor, because the status It says assigned to an atty that I'm not aware of? Here are the details XXXX Date Opened : XX/XX/XXXX - THIS IS XX/XX/XXXX -- SHOULD NOT THIS BE DELETED? 

Account Status : CLOSED - So why is it being UPDATED? 
Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection dept. WITH WHO? 

Comments : This is what I mean, even though they don't have adequate information to REPORT an account, they go out of their way to ANY TYPE OF NEGATIVE information EVEN IF IT CAN NOT be VALIDATED. EXPERIAN IS VERY DISCRIMINATORY Status Updated : XX/XX/XXXX. WHY ARE YOU UPDATING AN ACCOUNT that you claim is with a collection agency? 
Balance {$1500.00}. 
Terms : 1 Month. 
Comments : Credit Line Closed WHERE IS THE Date of First Delinquency for this account? 
WHERE are they getting this information from?

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.

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