BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX presented an offer for their credit card, issued by Barclays Bank, to all passengers on my XXXX XXXX flight from XXXX, Hawaii on XX/XX/XXXX. The flight attendant clearly explained several times to all passengers that this new and improved offer now includes XXXX bonus miles that are added to your XXXX account after your first purchase ''. The flight attendant repeatedly stated that you only need to buy a pack of gum and the XXXX bonus miles will be automatically added to your XXXX account. She also stated that this many miles is enough for two roundtrip tickets from the west coast of the continental US to Hawaii. She walked down the aisles passing out brochures and told me that I can apply when I get home. I asked for a brochure and saw that it is also stated in the brochure Earn XXXX Bonus Miles after making your first purchase. 

Based on this offer, I completed the application on the website that is listed in that brochure ( XXXX ) and it was approved. This website is owned by Barclays Bank. On the home page of this website it is also clearly stated in bold letters Earn XXXX Bonus Miles after making your first purchase. I received my credit card in the mail and I immediately made a few purchases on it to fulfill my obligation to earn these XXXX bonus HawaiianMiles. 

However, my online account now states that I need to make {$2000.00} in purchases within the first 90 days before I get any bonus miles. I have spent many hours contacting both Barclays Bank and XXXX XXXX multiple ways, including speaking to a supervisor, but both companies are refusing to do anything to fix this.

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 2019-08-13
Company: Central Kentucky Management Services, Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Collection Agency collected on a bill that was not owed. Agency confiscated state tax refund in 2018 - that is first time I knew of ANY bill from hospital. I phoned collection agency and disputed the bill immediately. Asked for verification of the debt. Agency could not verify debt. Agency then levied bank account. With NO JUDGEMENT. I got Medicare involved and they contacted agency stating this debt is not owed. Agency admitted they made mistake but will not return my money. Agency is guilty of illegal billing, double billing, and theft of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Investigation took more than 30 days

Complaint:
XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, mortgage servicer for FNMA, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by FNMA to transfer all servicing to XXXX XXXX which is now my FNMA servicer.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX ; XXXX and Transunion are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-13
Company: SYNCHRONY FINANCIAL
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Some months ago I filed a complaint regarding a wide range of material misrepresentations of fact by Synchrony Bank. Synchrony addressed one of the many parts of my complaint. I have tried to get Synchrony to respond to all the other aspects of my complaint. On approx. XX/XX/XXXX I spoke with Executive Response Team member XXXX XXXX ( XXXX ). She promised to fully investigate all parts of my complaint and provide me with a detailed written response to those parts of my complaint never addressed to date by Synchrony. When I did not hear from Ms. XXXX after about 30 days I called and left her two voice mail messages. Ms. XXXX has not responded to either voice mil message. 
Synchrony gave me wildly inaccurate and misleading information about my accounts with them. I can supply all the follow up documents CFPB may need regarding this matter. I think the CFPB must hold Synchrony accountable for the misleading information, the serious and material misrepresentations of fact and their failure to fully address all parts of my complaint. Thank 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX 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 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-04-03
Company: Williams & Fudge, Inc
State: KY
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:
Due to unforeseen circumstances I had to dropout of college. i received a notice of debt owed to XXXX XXXX  University I received a call from a debt collector advising me about this debt, I agreed to establish a payment plan with the agency assigned the debt by XXXX to make monthly payments and avoid bankruptcy. In doing so it was agreed that the debt would not get reported to my credit report. i have been making payments every month as agreed and have learned once access was gained to my XXXX XXXX that the company is reporting to XXXX XXXX and has been doing long before the collection company called me. This company did not notify me by mail prior to the phone call mentioned above and then reporting this to the credit beaureus not allowing me to dispute or validate the charges. This needs to come off my credit now. This debt collector is in direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX  # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-15
Company: Lending Club Corp
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: Account information incorrect

Complaint:
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent an email from XXXX XXXX XX/XX/23 for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in XXXX XXXX hands. I called and they told me this is incorrect. XXXX also has my debt was is on my credit this is inaccurate reporting and incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: Old information reappears or never goes away

Complaint:
FINAL NOTICE OF DISPUTE Equifax and XXXX XXXX XXXX This is the last and final notice XXXX XXXX have addressed several points to the validity of the alleged debt you XXXX XXXX XXXX that she does not owe that is reporting on Equifax. I am disputed this alleged debt, make sure that is reflecting on my credit report. 

XXXX XXXX is requesting : ***the credit card agreement/contract, ***consumer file with my signatures for disclosures your company have provided ***Written Permission to report anything on my credit report. 

I do not give permission to report alleged debt on my credit reports. REMOVE IT. 

Pursuant to 15 usc 1692, I cease and desist XXXX XXXX XXXX from reporting anything, communicating with any entity about this alleged debt. 

XXXX XXXX XXXX and Equifax has 30 days to send documentary evidence requested in this letter, remove accounts off my credit reports. If not, I will proceed with next steps for legal action. This is ill affecting my mode of living and this needs to be rectified immediately from COMPANY and CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
[ XXXX2020 ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : X- This revocation applies to any and all future debits. Sincerely, 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 2019-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
experian credit score is 60-85 points lower than XXXX and XXXX. How is this even possible? When i called them to discuss my concern they stated that i needed to file a claim. How can i possibly file a claim against them? they reporting that my credit score is 670 approximately when the other two credit bureaus is displaying approx 750. 

I need a logical explanation to how such a difference is even legal or possible. I have matched all three bureaus i dont see a significant difference in they way they are reporting.

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 2022-12-10
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent several tax bills to AmeriHome Mortgage Company so they could be paid through my escrow account. On XX/XX/XXXX an AmeriHome Mortgage representative responded acknowledging receipt of the tax bills. There has been a withdraw from my escrow account for " taxes '' but the local tax collector shows that they have not been paid. I requested help on AmeriHome 's website with the live chat feature. The chat representative told me that they would send me tax payment confirmation via email within 24 hours. I have not received any additional communication from AmeriHome Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit was ran without my permission and authorization and knowledge. My TRANSUNION CREDIT REPORT reflects the following : On XX/XX/2022 the following my credit was ran without my permission authorization and knowledge to the following : 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 2019-09-10
Company: Wallace Management Company, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan in 2018 from Dixie finance in XXXX, Ok. The manager for Dixie finance I believe her name is XXXX. She harasses and threatens her customers. She has harassed me at my workplace and when I spoke with her she raised her voice and began to speak to me like a dog. Very degrading and disrespectful. She has chased people down in the grocery store or XXXX after working hours. She has sent them threatening messages on XXXX. She is very unprofessional and rude. She says she is out " collecting '' but I have seen her out shopping or at home. I've tried to pay her a lesser amount than what I owe & she refuses to take it and demands the full payment being very hateful & rude. I will not go back in there and pay my loan until she no longer works there. I refuse to continue being belittled by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After waiting 5 months for assistance with my mortgage payments because I lost job the lender only offered a forberence plan that would then put me past due. Th offer is still unaffordable based on just my husbands income. They intentionally want me to default on my loan. After Ive begged for a modification, which I am eligible for they refuse to help. I explained to the underwriter that reviewed my paperwork that {$820.00} a month still doesnt meet the requirement of 31 % of my new household income. Also, if I default on my payments it affects my credit which will also affect my chances of finding a job. When Ive applied for jobs I need to pass a background and credit check, if Im delinquent it wont help me get out of his financial hardship.

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