BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account 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  has Violated my Rights 15 U.S.C 1681 Section 602A 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 tarnish a account without my wrriten instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX last year I made a balance transfer on my Elan Financial Services Fidelity Rewards credit card. The amount of this transfer was {$8000.00} plus {$320.00} in fees. The transfer had a promotional interest rate of 0 % APR. 

In XXXX of this year I made purchases on this card. I then made payments to the same card after these purchases posted. 

The statement closong on XX/XX/XXXX shows balance subject to 0 % interest as XXXX and {$4000.00} subject to 18.24 %. The XX/XX/XXXX statement shows {$2500.00} subject to 0 % and {$6900.00} subject to 18.49 %. I was advised that payments I made were applied to the 0 % APR balance rather than the XXXX balance. 

However the correct order of application of payments per Elan is " Payments made up to the minimum payment will be applied to the balance with the lowest Annual Percentage Rate ( APR ) first. Any additional payment amount ( s ) above the minimum payment will be applied in the order of highest to lowest APR balances. '' The minimum payment due XX/XX/XXXX was {$120.00}. After that amount was satisfied, payments should only be applied to purchases balance. 

I specifically asked an agent before making the balance transfer if I would be able to avoid interest and keep the promo rate by paying purchases down immediately and was answered in the affirmative. Before making the payments I double-checked with Elan customer service

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 2023-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-19
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23 I sent a letter requesting the mortgage company pay a tax bill of {$2400.00}. I submitted a coupon for ONE tax bill of this exact amount to the mortgage company. I had some money in escrow and wanted to apply the funds to that ONE bill as I mentioned on the phone. 

I received a call to confirm, I said yes. On XX/XX/23 Arvest bank made a payment of {$6600.00}. 

My mortgage has now increased over {$1000.00} a month. The other taxes were not yet due and I did not request this payment. This has caused significant financial strain. 

The representatives listened to the calls and admitted this was an error but the Mortgage company has yet to offer solutions to assist or to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: MN
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:
Multiple hard inquires on my credit report that could be fraud and I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX  XXXX XXXX Bank of America Debit Card account was charged fraudulently 32 times for XXXX cents each paid to XXXX on or around XX/XX/2021. 

The debit card has always been in my possession. All charges to XXXX were not made or authorized by me : upon noticing multiple XXXX cent debits to XXXX i called number on back of the card & told the BofA rep about all of these small XXXX cent debits to XXXX. The representative told me not to worry, as other customers had been calling about the same XXXX issue and that BofA was aware of the breach? 

The rep told me to contact XXXX and see what they say - 12, days later XXXX sent a boilerplate reply they had no record of the charges?? 

called BofA back after XXXX said no record found on their end. The rep told me Id hear back within 10 days. And not to worry BofA was aware of the problem and that based on other customers also defrauded with same small XXXX charges that I could expect a refund same as the others, just needed to wait out the process she said : : ..2, weeks later, I received a letter from Bank of America denying refund. 

They said they had investigated and determined my debit card was used by me? That is not true. And insulting to boot. 

Also, between my initial call to BofA and charged my account another 9 times for $ XXXX also to XXXX. 

On the last call with BofA the rep apologized, said she needed to cancel the card and send me a new card. 

She said the previous rep shouldve cancelled the card when I called first time and told to contact XXXX. 

XXXX apparently doesnt have any phone support number - so i sent them a message on their support page the finally replied weeks later they had no record of the charges?

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 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had direct deposit scheduled on XX/XX/23. To CASH APP. I accidentally left off last 4 numbers on the acct numbers, they won't give me any information on where the money went. Also I had a XXXX XXXX charge that later updated to XXXX, they have not refunded the XXXX yet and its been 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have requested XXXX and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested XXXX to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.

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 2023-09-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2017-05-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was forced to buy a car at XXXX XXXX in XXXX XXXXI tried to leave but 2 people came after me... I was scared..they forced me to stay for their financing through santander Consumer USA... I received a XXXX XXXX after signing contract ... the contract I digitally signed is different than the terms I was given and signed for ... the payment is over {$20.00} more and the due date changed to 13 days earlier... I requested a late month due date or my payment would always be late ... the finance guy assured me it would be the XXXX or XXXX days from purchase ... it was purchased on XX/XX/XXXX so realistically the XXXX of the month would work with the few days allowance ... when I called santander..they refused to help and said it was what the contract said..I went in to the dealership with a preapproved letter from XXXX XXXX XXXX XXXXXXXX with a rate of 7.99 % ... the dealership refused to use my preapproval and forced me in to the contract with santander at XXXX ... the finance guy said because i got a good deal they needed to recoup some money from financing ... I truly wish I could just go back to my XXXX XXXX that was paid for..I think this dealership and finance company are in cahoots ... i just want my payment amount and due date to be what I signed up for ... the dealeship gave me no paper work ..just a zip drive ... I think that is where everything changes... i signed one thing and once he had my signature ..he changed the paperwork and I didnt know because I had no paper work... it was the worst experience of my life...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: SYNCHRONY FINANCIAL
State: FL
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:
Account closed who still showing a balance of {$2300.00}. I would like this account to show  XXXX  balance immediately on my credit 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 explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the fair credit reporting XXXX XXXX  Account # XXXX, has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also States of consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-05-09
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Applied online fo r Target    credit card on their website on  XXXX  and received the card in mail on  XXXX . Went to their website on  XXXX  and saw they were running a promotion that offered people who applied for credit card online that they would also get a 10 % discount off their next purchase. I called Target to request this offer since I did n't get card until after promotion started and should be eligible for this discount. I talked with a representative and a supervisor and both said that the offer started on  XXXX  and that since I applied before offer I would not be eligible for the additional discount.     This form of promotional advertising is deceptive and treats consumers unfairly by limiting offers to particular time periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
An initial fraudulent credit inquiry was discovered from " XXXX  XXXX '' in XXXXXXXX XXXX XXXX Most recently an additional fraudulent credit inquiry was highlighted on my credit report from " XXXX  XXXX '' on XX/XX/2022. I did not request nor authorize these inquiries. Upon creating an account with the credit bureau ( TransUnion ), I noticed there were additional fraudulent inquiries that remained unreported on my credit file along with unrecognized phone numbers attached to my account.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation