BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC

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 2018-01-05
Company: United Acceptance Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother passed a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/2019 and I obtained a loan that Shellpoint Mortgage became the servicer for ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2019 I called Shellpoint to notify them that I had canceled my insurance and paid for it out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. Shellpoint required me to send in an email with all the verification to show. I did so on XX/XX/2019 and Shellpoint responded verifying that they received the email. In the email, they stated that they would review and correct the issue. Since then I have called several times and spent hours on the phone with them trying to get Shellpoint to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 105 days since my request in writing and 74 Business days since. I would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. 

Thank you, XXXX XXXX XXXX XXXX Shellpoint ( LOAN # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report. I have contacted Transunion and XXXX to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled, Transunion and XXXX advised me that I had to contact the XXXX XXXX to resolve this issue.

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 2022-01-20
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: Account information incorrect

Complaint:
TRANSUNION : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts XXXX, Inquiries XXXX, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX  XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!

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 2022-01-20
Company: EQUIFAX, INC.
State: GA
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:
I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: LA
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: Overcharged for something you did purchase with the card

Complaint:
I was at Steinmart on XX/XX/19, purchasing clothes that totaled {$550.00} - I was told that if I got a Synchrony Bank credit card I would receive a 15 % discount. When I received my bill in the mail, it was for the original {$550.00}. I have been trying to resolve this issue for some time now with no luck. I have a copy of my receipt and everytime I call the number i was given ( XXXX ) it says their mailbox is full.

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 2017-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is disputing this repayment plan and the fact that SPS did not do a full review, rather look at income alone and did a repayment plan. It is shocking that SPS is keeping the interest rate at a staggering 11.15 % and raising their payment by 2 times. SPS is increasing their payment by {$2300.00} per month. That is shocking. An interest rate at 11.15 on a first mortgage payment today would fall under section 32 TILA.
XXXX is requesting that you establish an affordable payment and take into account the hardship which detailed serious ongoing medical problems for XXXX XXXX.
XXXX made their first payment of {$3700.00} on XXXX/XXXX/17.
XXXX is respectfully requesting a full review and an affordable payment plan based on their household income minus medical bills that average {$1200.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Americas Car-Mart, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When attempting to modify the terms of my loan and set up a new payment arrangement due to financial hardship ( XXXX concerns, etc ), CarMart asked for me to bring in a copy of my bank statement as support that I did not have the funds. I told them I did not feel comfortable providing my banking information to them. The manager, XXXX, was very angry on the phone and said that I provided this information when taking out my loan, which is materially false. 

I was able to get my loan appropriately modified, but am reporting the request for personal financial documents including bank statements with account numbers and balances, that were unredacted and without personal identifying information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Have been getting frequent calls some coming before XXXX. Caller apologized but continued hung up said I was going back to bed then they called right back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: BANK OF THE WEST
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: Confusing or misleading advertising about the credit card

Complaint:
I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.

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 2019-09-24
Company: Experian Information Solutions Inc.
State: NC
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 went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.

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 2018-01-05
Company: SYNCHRONY FINANCIAL
State: MI
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:
In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies

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 2021-03-09
Company: Aargon Agency, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-07-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The bank has charged the account with late fees, forward the Fraudulent charges to the new account and allowed double charges from amazon.

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 2022-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient consistently tells me that I do not have forbearance options when I am trying to defer my loan payments due to being financially impacted during XXXX these past two years. They are charging me interst during this difficult. Their practices are unfair I want the money accruing taken off because I know that is what the government has arranged during this pandemic. I am an XXXX XXXX during XXXX. Their practices are shady and this honestly has been going on since before covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.

I a natural person under 15 USC 1692 ( a ) have been abused, deceived, and there has been unfair " debt '' collection practices by Experian and this abusive practice has been hindering me from getting a job. Under 15 USC 1692 ( g ) ( 1 ) Experian has never sent I the consumer any communication of a written notice containing of the following 15 USC 1692 ( g ) ( 1 ) the amount of the suppose debt from XXXX, 1692 USC ( g ) ( 2 ) the name of the creditor to whom the debt is owed. Experian is not following the rules and regulation set forth by congress and it is unfair.

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 2018-01-05
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Was not notified of investigation status or results

Complaint:
I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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