BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: U.S. BANCORP
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my heloc loan was changed to a 10 year note with payments jumped from {$450.00} to {$1200.00}. I was proactive in contacting US Bank to get this note refinanced as a 20-year second mortgage which the US Bank Rep told me to apply for a loan modification. 

I received the loan modification document packet in XX/XX/XXXX ; upon reviewing the docs it puts us right back where we started over 12 months earlier, a 10 year loan with {$1100.00} payments. 

So a US Bank Representative directed me to re-apply for a new loan modification. And on XX/XX/XXXX I received a letter saying 'Im qualified ', for a loan modification with no terms and Ive made the required 3 trail payments of {$1000.00} a month, and now its XX/XX/XXXX and still have Not received my loan documents. 

I've never spoken to anyone as to the terms of the loan modification over the last 28+ months, it was my understanding the loan modification program was to help lower my payments! 

Well with minimal to any correspondence with emails or phone calls, XXXX XXXX, not Supervisor Mr. XXXX XXXX nor anyone working on the Loan Modification has discussed any terms of when or how the HELOC loan would be modified! 

I originally requested to have the HELOC loan be modified or turned into a second mortgage as a 20-year Term Loan. This was due to the monthly payment was and is still Not within our ability to pay {$1200.00}, {$1100.00} nor the {$1000.00} a month on a 10-year loan! 

The terms are Not the requested 20-year Term to lower the payments ; But still set as a 10-year Mortgage with a {$1000.00} a month new payment ; my current loan is HELOC Not a Second Mortgage. 

US Bank has wreaked my credit rating which has caused all my lines of credit interest rates to skyrocket, plus the undo stress on my wife and myself which both of us have health issues, Im 100 % XXXX, that have been aggravated by this stressful time in our lives. 

As stated above, Ive emailed XXXX XXXX and XXXX XXXX on multiple times with no response, this has caused great concern that the help US Bank has offered is Not Serious with Truly helping their clients!

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I just received the XXXXBarclays Visa credit card that has a value proposition of 4 % back on restaurant spend. I got my first statement and noticed there are 4 separate transactions that did not appropriately apply the 4 % rewards. When i called customer service, they mentioned these merchants have the incorrect merchant codes and that is the root cause of the error. I asked if there is anything i can do to resolve this issue and we both determined it would be strange if i called the merchant and ask them to fix their merchant code. 

My complaint is based on the fact that XXXXBarclays does not have any mechanism/process to correct the merchant codes with their merchants. Also, when trying to request this as a formal complaint, they said they have no such thing. 

Losing rewards points is equivalent to losing cash and the fact that XXXXr/Barclays has no mechanism to ensure the consumer receives what was advertised is unacceptable. How do i know that they don't tell the merchant to setup their code as " miscellaneous '' at the point of credit card system setup?

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 2021-04-05
Company: CITIBANK, N.A.
State: FL
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:
Citi Bank ( credit card ) charged me a fee for a returned check and disabled my credit card from use, without any notification to me the card holder ( no email, call, text, etc. ). However, the payment which they claim was returned shows as posted. My account balance shows as paid and within my credit limit. 

I called Citi bank to ask why my account had been disabled. They informed me that I needed to make a payment, so I made another payment but still my card was disabled and not working. Then when speaking with a supervisor in the call center they informed me that my payment had been returned, despite showing as posted. They shared that Citibank provides consumers no notification when this occurs and does not make the returned payment visible to the card holder. The only way for me to know it was returned would be to see the returned check charge posted to my account. They also informed me that I now had a " double payment '' situation. Since they will still attempt to draft my original payment and now they will attempt to draft the new payment which I was told to submit. They have no way to stop these payments and if I don't have the money in my checking account for both payments, I will be charged another over draft fee ( and potentially a second overdraft fee from my other bank ).

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 2023-08-31
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 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 an 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


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 2016-09-12
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted Navient Solutions about making a payment on my private student loan. I spoke to XXXX customer service representatives that were very rude. Both representatives yelled at me within moments of speaking to them. The female representative did not answer my questions and spoke in an aggressive manner the whole time. She asked me questions that did not seem relevant in finding a solution to my situation but more aligned with her aim to be as verbally abusive as possible. She blamed working late hours on the reason why she was so rude. She also said she was not in customer service as another excuse to be so patronizing and verbally abusive. I finally received the answers and a solution to my problem when speaking to their supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed three letters through certified mail with return slips to Experian, XXXX, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.

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 2022-09-18
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi In the mail I received a letter called an Additional Notice to sue from credit Corp solutions in regards to synchrony bank When I went to check they filed this motion with civil court and I had no idea as to why this was done w no notice I have never heard of credit Corp solutions and have never been contacted by them. Also the XXXX XXXX credit card debt is 3 years in XXXX as the last XXXX account was charged off as I had not had the account since 2019 and I did speak to the original creditor Im letting credit Corp and XXXX know the following according to FCRA and FDCPA laws, I am not obligated to pay the collection agency or any 3rd party collectors. Under no circumstances does the collector other than the ORIGINAL CREDITOR have the rights to collect or furnish info to any of the credit bureaus. Also if the debt was written off by XXXX  and my file was sold to a 3rd party collector, then legally credit corp solutions has now paid the debt on my behalf. I did not enter into agreement with the credit Corp solutions to pay the debt off, I didn't agree to pay them at all for paying the debt, and I also did not give the XXXX bank the rights to sell my information to a debt collector or 3rd party collection agency. if the debt belongs to me then please validate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
XXXX XXXX XXXX XXXX performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.

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 2018-08-07
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got 2 item in my credit report, I sent a validation letter XX/XX/2018. and the second XX/XX/2018 I never got any answer, I disputed with the XXXX, came back as verify, I sent a second letter again about the debt no answer.I never receive it any bill from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an 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 2019-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I made a purchase with my credit card. The company I purchased from ( XXXX  ) was shut down by the FTC. The education website was for lifetime access to their training programs on their various websites. Like training videos, talking to 1-on-1 coaches I can not receive services due to the shutdown, and I am still paying for the services, when I am clearly not getting them. I contacted Bank of America to file a dispute. They denied my dispute, even though I did not receive services. They told me the dispute is closed all resources have been exhausted, and I would have to pay the remaining balance of {$9900.00} ( purchased on XX/XX/XXXX ) on credit card ending in XXXX. 

Bank of America has all the documents that I have provided to provide a chargeback. Over 130 pages of documentation.

They told me they sent me letters that they required more information, but I have told them I have not received those letters. 

They said they would send them again. I contacted them early XX/XX/XXXX to ask when I would get the letters, they told me the dispute had been closed. 

I have has disputes resolved with other credit cards and well as debit cards. 

I

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: Experian Information Solutions Inc.
State: FL
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
these account do not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX inuuiery date XX/XX/XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX inquirer 's date, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX date, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX inquiry XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX date XX/XX/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
Consumer complaint received 2021-03-11
Company: HYUNDAI CAPITAL AMERICA
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX ... KIA MOTORS FINANCE XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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