BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. 

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # I demand TransUnion to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX US DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from TransUnion, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to.

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 2023-04-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX has violated my rights. they say multiple times they refuse to remove the inquiry on Equifax in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
3rd party collections called, harassed, shamed, yelled and ridiculed me for my loan debt. Agreed on settling the debt with upfront payment my mom borrowed from bank and then automatic payments for 5 years monthly of XXXX. Now years later, Sallie Mae is showing no payments or any updates to my account showing that I made all payments in full per agreement years ago. Now my credit is bad due to their lack of records of my payments and I no farther ahead with payments since they don't awknowledge my payment records. Sallie Mae loans in my name should be paid full as per agreement but they're not accepting previous agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Whetstone Partners, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A voicemail was left from XXXX XXXX, " private courier '' threatening to serve me at my job and/or home. He left the last four numbers of my social security number on my voicemail and stated that I needed to have my manager or HR representative at my job when he got there to serve me. I was at work at the time and stepped away from my desk to call back. I then spoke to XXXX XXXX who after asking her if she understood that it is a violation to leave private information on a voicemail especially when it is n't even confirmed to belong to me ( my voicemail has no detailed information on the recording ). She asked me if I wanted to talk about what the call was about or what was about to " happen to me ''? I reminded her that the call was being recorded ( I reminded her of this fact earlier in the conversation ). She then stated that she was going to end the phone call and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Belk Rewards Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2021-06-08
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my mortgage a payoff was made to the original lender, Arvest Central Mortgage. The payment to Arvest was {$3000.00} over the payoff amount. Arvest 's policy is to deposit those funds into the escrow account and hold them for three weeks ( 14 business days after the payoff and then several more days to mail a check ). These funds were never earmarked as an escrow payment and I informed the lender that they are holding those funds illegally. They claimed that they are within their rights and it is their general policy to hold all excess funds for 14 days after a payoff. As per my mortgage terms I did not agree to their holding non-escrow funds after a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit 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:
On XXXX, I booked a hotel through American Express Travel, charged as `` AMEX XX/XX/XXXX '' for {$330.00}. I did approve that charge. Then, on XXXX, the same exact charge for {$330.00} for the same hotel ( billed as " AMEX XXXXXX/XX/XXXX ). I did not approve that charge and it seems to be a duplicate charge. I noticed this issue in XXXX and called American Express to sort out the issue. American Express referred me to American Express Travel. In each case, I have been shuffled around to various agents and supervisors, none of them sure why the charge has been duplicated. 

Because it is through American Express Travel, American Express classifies it as an internal charge. I can not dispute an internal charge with American Express. Hence the discussion with 20-30 agents, each directing me somewhere else. I have called four or five times in the past 6 months, often on the phone for hours. In a few cases, Ive been told that I would be personally called about the issue, and then hear nothing. One Global Complaint was created a few months ago, XXXX. In chatting with them later, Amex/Amex Travel has no record of the complaint. Today XXXX, a new complaint, XXXX was created! Amex says I have to talk to Amex Travel, and Amex Travel says I have to talk to Amex. Im not sure who to contact since I cant officially dispute the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: HYUNDAI CAPITAL AMERICA
State: AZ
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:
I have contacted Hyundai motor finance on several occasions. I have contacted via call and mail about inaccurate payments history on my account as well as an automobile payment made in full not being updated. I didnt give consent to report on my consumer report and I am being violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-10-01
Company: American First Finance, Inc.
State: TN
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:
America first finance has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Blackhawk Network Holdings Inc.
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This {$100.00} gift card was given to me for my birthday. The last two numbers of the 16 digit card are missing and the cvv is also missing. I was given this card on Thursday, XX/XX/2023. I have opened it today, XX/XX/2023, and tried to call and go to the giftcardmall to see how to replace this card. No prompts or customer support available by phone or online, except to claim it lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2021-10-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/XXXX using a VA Home loan Through U.S. Bank office branch located in XXXX, IL XXXX. I am a XXXX Veteran in the state of Illinois and am property tax exempt. My closing disclosure specifically states that i will not have an escrow account set up for County Property Taxes. US Bank Disbursed out of my escrow for property taxes that were credited to me during the closing process causing a shortage in my escrow. US Bank has now tried setting up an escrow account for county property taxes increasing my payment from {$750.00} to {$1000.00} ( if the shortage is paid in full ). My current payment including 1/12 of the shortage amount and the estimated escrow will be {$1300.00} nearly doubling my minimum payment. I have contacted my local branch and their corporate customer service via phone. I have not had this issue resolved and I believe it is pure negligence from US Bank and my loan officer for not providing documents that were submitted to them and causing undue hardship and not abiding by the final closing disclosure.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: WI
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXXBayview Loan Servicing ( BLS ) bought our Mortgage Loan from XXXX XXXX. 
Since XX/XX/XXXX, we have had nothing but headaches with the new XXXX XXXX XXXX. 
We have made ALL ( 100 % ) our monthly payments on time ( {$2600.00} ). 
We do pay our Property Taxes and Property Insurance on our own ... no need for an escrow account. This is exactly the same way we did operate with XXXX and how the terms of the loan were approved by XXXX and ourselves. 
We made several phone calls to Bayview Loan Servicing ( BLS ), left messages and not only that NOBODY did return our phone call messages, worst is that nobody from BLS was able to make a correction to our claims and they keep insisting in that we owe them money..!!? 
A letter from them dated XX/XX/XXXX was recently received telling us of an " intent to accelerate '' and that we're in default. 
A lender like BLS doesn't not deserve to be a part of our community. 
When we tried to make our payments on line, either the website is not working OR they are listing a phone number that offers you many different products to be purchased!! 
Instead of making it easier for the customer to make their payments ... .sometimes we wonder if what they do is trying for customers to either miss their payments on time, so that they can collect outrageous fees..!!

Attached you'll find copies showing : 1 ) Letter Notice of Default 2 ) Letter showing Property Taxes paid up-to-date 3 ) Property Insurance Installment Notice showing we're paid up-to-date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2021-10-27
Company: Experian Information Solutions Inc.
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:
Im not sure what happened with the first complaint because I never received any updates and when I called with the ID complaint number, my case wasnt found. With that being said, I would like to put in another complaint on Experian and XXXX. They arent complying with my dispute request. I sent them a letter on XX/XX/21. Then, I turned around and sent them a second letter XX/XX/21, because they never responded to my first letter. I sent them a 30day demand and comply and they still havent responded with any signed documents on my behalf. Can you guys please follow up with this for me? 
Thanks!

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 2023-10-01
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first 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 2023-09-30
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have already provided you with documents and reasons for my complaint. You just contacted the CC company, sent them my complaint and they provided the same answer that I was told when I contacted them. You acted as a MAIL Carrier and not investigated anything about the reason why I complained to you. 
My email address at the time was XXXX but that email account is closed. I just provided the email address so you could find my previous complaint. 
Now I need to know whom should I contact about the unfair practice of this credit card company? I thought you would be the one but got disappointed. 
Please advise as soon as possible! Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding this account with inaccurate information and no response or responses I have been receive and the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$2700.00}

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