BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got an unexpected interest charge on my bill. I was informed by an employee that used Care Credit in their facility that I should be able to pay off the interest if I paid the min. balance. I always paid more than the min. balance. Every time I tried to reach the supervisor or manager someone else would assist me and the only solution, they offered was to waive the interest if I paid the complete balance off in 1 month ( which they knew was impossible for me to do ). I then took it to XXXX  and made public reviews ( as XXXX  suggested ). Then they were going to get the supervisor or manager, but they still offered the same solution yet again! I just want them to drop the outrageous interest charge so I can pay off the remainder of my balance, but they refuse to cooperate.

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 2022-02-23
Company: Fay Servicing, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing LLC has continuously ignored the letters and notices that have been sent to them. We have sent multiple letters in XX/XX/XXXX and XX/XX/XXXX, in which they have completely ignored or sent back. As I told Fay Servicing before, this was not an attempt to not pay the mortgage, this was an attempt to see exactly where the money I have paid is being applied to? I received a letter around XX/XX/XXXX to inform me that my payments would go up almost 50 % from {$700.00} to {$1100.00} and can not find that information from the " contract '' that they sent when I asked. That is not giving full disclosure to the consumer and that is against the law. They have sent people I do not know to take pictures of my house, they have reported information on my credit report, that is adverse action. It seems they are trying to take advantage of me in this situation instead of providing the information that I asked. When asked who is the " owner of the loan '' no information was given. Those are elements of fraud and I feel that Fay Servicing is extorting me for a debt that they can not and refuse to verify. I received a letter on XX/XX/XXXX stating that they have hired a foreclosure attorney when they have not provided any information that I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I opened up a ira account at Bank of america in XXXX ca. With XXXX money she received from her job at XXXX XXXX, I am on this account as beneficiary. The amount of {$120000.00} was deposited. We received a deposit slip, a ira adoption agreement, the account summary information, and a business card from the bank teller. After my wife 's died I went to different bank of America 's to let them know that my wife passed away and that I was benificerary on this account and I wanted to know the balance of the account. They took all the information from me they needed to identify me and the ira account one bofa branch told me this account was closed and would not give me no information about the account! Another branch told me they could not find this account even though I gave them the account number from the bank form I gave them they told me it was nothing they could do. I was sent to different departments no one would tell me where the money is. There had been others with similar issues as this with this bofa XXXX california. Please help for this money is needed I am handicapped, unemployed and trying to hold on to my home can some one please help.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have disputed this account and asked for verification as per the fair credit reporting act. All I got was a copy of some bills. Nothing with my signature, social or copy of my ID. I don't even have a copy of any contract. This account isn't mine so in the middle of disputing now they are being sneaky and trying to sue me now that I am disputing this and they have no proof. I want all the information I'm asking for. I do not owe {$750.00} + {$50.00} filing fee+ {$7.00} service fee= {$800.00}. What is owed is how someone can open up an account in my name and me dispute it and the company not provide me with anything but saying they verified this account is accurate but how? Because I'm still waiting on proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: JPMORGAN CHASE & CO.
State: OH
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 sent a letter to JPMCB Card Services and i have not hear from then. This was a a notice informing JPMCB Card Services that they have violated federal law because the date furnisher ( then ) fail to send a written notice prior to or with in 30 days after accounts, collections, and late payments to my credit report without sending me a written notice as required by federal law section 623 ( A ) ( 7 ) ; 15 U.S.C 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( B ) ( 2 ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX ( or XXXX  ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
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: Information belongs to someone else

Complaint:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention an issue I have encountered with a financial institution. Specifically, I believe that the institution has engaged in unfair and deceptive practices that have harmed me as a consumer. I would like to request your assistance in investigating and resolving this matter. 

The details of my complaint are as follows. Despite my attempts to resolve the issue with the institution, I have not received a satisfactory resolution. I believe that the institution has violated federal consumer protection laws and regulations, and I am seeking your help in holding them accountable. 

Thank you for your attention to this matter. I look forward to your response.

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 2022-02-06
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This home has a homestead exemption in place due to status as a service connected veteran. All homestead documents to that effect were completed and signed at closing on XX/XX/2021 & the homestead was approved by XXXX XXXX, XXXX XXXX is the lender. ( Nationstar/Servicer ) Some months later, I was sent a letter stating the mortgage was going up due to an escrow shortage for the property taxes. I spoke with several managers & advised with the Homestead exemption that there should be no shortage, my payment has yet to be modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ive written numerous letter to TRANS UNION since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that TRANS UNION received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can TRANS UNION keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

TRANS UNION do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Its been well over 30 days and my demand for these items to be removed have not removed at all.

TRANS UNION took information from someone else other than myself and reported it to my consumers credit report. TRANS UNION and the companies liable are committing identity theft/fraud. Thats aggravated identity theft!

( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!!

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that TRANS UNION has broken. 

TRANS UNION knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; I DO NOT HAVE TO REACH OUT TO A THIRD PARTY COMPANY IN ORDER FIR TRANS UNION TO REMOVE THESE INQUIRIES. TRANS UNION HAD NO PROBLEM WITH REPORTING NEGATIVE INQUIRIES TO MY REPORT. I ALSO DO NOT HAVE TO MAKE A POLICE REPORT. TRANS UNION AND OTHER PARTIES ARE THE ONES COMMITTING FRAUD.

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 2023-04-14
Company: Experian Information Solutions Inc.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, XXXX and Transunion. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent.

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries.

The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates. 
2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.

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 2023-11-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Cooper Mortgage confirmed in XXXXXXXX of XXXX that our forbearance COVID CARE grace period was extended until XXXX XXXX 
XX/XX/XXXX my husband and I were notified by our credit reports that we were delinquent and our credit scores went down over XXXX points. 
I called Cooper that day asked and they said we were no longer covered by the contract and if we wanted it changed to call our government. When I showed the images of our contract and dashboards and that his information was different than what Ive been sent he realized there was a problem and gave me their research team email. 
After further review, our accounts, our dashboards, our contract and updates through Cooper state we are protected, not delinquent, and our credit scores should not be affected. 
They sent an email that theyd look into the issuethen I was contacted by their debt collected in XXXX. I got on their chat service desk because their phone service doesnt work. She confirmed we were safe but didnt know why we are being negatively affected. She gave me a managers email which we emailed mid XXXX. We still havent heard from her. 
I got another delinquent notice XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL FOREIGNERS AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT

Company response to consumer: Closed with explanation