BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2021 XXXX of my pets had to have XXXX XXXXXXXX and I used my care credit and I was Charged XXXX. I used my card a couple more times at the same Vet with charges ranging in $ XXXX and I was given the a promotion for XXXX months. on the larger balance of XXXX I was given XXXX  months. I find that very unfair smaller charges longer time to pay and larger charges give least amount to pay so the customer can get all that interest charged. 

I spoke with care credit on several occasion and they directed me to go back to the Vet and have them change the promotion time, they tried but they do not have that option to go back and give me the XXXX  months so I call care credit back and now they tell me its to late to make any changes. I have had no help it is very sad especially with the hard times we are living it makes people not want to even pay. I have been going back and forth for month and now I was just charge all that interest. 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 monetary relief
Consumer complaint received 2021-11-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I went under contract on a property that had been foreclosed upon on XX/XX/21. Lakeview Loan Services is the bank managing the property. We have missed and readjusted our closing date 3 times because of their negligence. They were informed of an outstanding debt to the HOA by the listing agent back in XXXX, giving them ample time to deal with the issue. Now, there is a lien on the deed to the property, and Lakeview doesn't answer phone calls, emails or any other form of communication. They won't even contact their own attorney. We can't close on our home until the debt is paid and the lien is lifted. We informed our landlord that we were under contract, and they expect us to be moved out, keys turned in by XXXX. If we don't sign closing papers this week and move in this weekend, we are essentially XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of copvid-19 my income decreased drastically. I've reached out to Rushmore multiple times submitting, and resubmitting requested documents over the last 6 months to secure some sort of assistance. Regardless of what was submitted it was never enough. I have submitted all requested Borrower Assistance Application information regarding my loan modification. Finally, after 6 months of back and fourth, rejected payments, Rushmore has finally acknowledged all paperwork has been received. 

On Friday XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I am in default on my mortgage loan and encouraged to contact Rushmore to explore foreclosure alternatives. I'm currently in the middle of a modification??? I received a letter dated XX/XX/XXXX stating Rushmore would reply in 30 days to my modification request. After submitting all my paperwork, receiving acknowledgement that all of my loan modification paperwork was successfully submitted, I receive a letter referencing foreclosure. Now I'm being told to pursue foreclosure alternatives, my modification request is still pending or so I thought. 

I am doing everything requested to keep my forever home and Rushmore continues to place doubt that they are trying to help me keep my home. I finally feel like it's going to be alright and then I get this notice in mail as if I hadn't already submitted a modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the 2nd straight month XXXX has reported my account as 30+ days late, last month XXXX admitted that they made a mistake and reported inaccurate information to both Transunion and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( transunion and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information

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 2023-07-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2021-11-16
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal held my money for the 180 days and I still can not withdraw the funds. No one can tell me why or answer any questions on the time frame.. I received no email as to why XXXX XXXX XXXX Last 4 of my ssn is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Genesis FS Card Services, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello and thank you for reading my complaint. 
I was sent a pre-approved credit card offer from XXXX, XXXX XXXX XXXX, a XXXX XXXX company. I NEVER replied in ANY form. Then, I started receiving calls from collections from the company. I never applied for the card nor activated it. I certainly never used it. It is destroying my credit and they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: VA
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:
As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX   XXXX  credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

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 2022-10-29
Company: Experian Information Solutions Inc.
State: PA
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2019-12-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed a case : Complaint Number XXXX-XXXX. I have 3 letters from US Bank in response of that case. The letters indicate phone numbers I have to call to solve this dispute and 2 of them are not the department that I supposed to call. I have been transferred to different departments, all of them asking my account number, name, social security number, date of birth, case number ( issued by the Bank ) which I provided all to all of the agents I spoke with and none of them were able to solve this dispute. 
I feel that US Bank failed again to solve a problem that they caused to me. Again I was in the phone for over 1 hour and this entity showed that is not welling to solve this problem.

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 2019-01-16
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I contact PNC regarding why my outstanding principal was not going down off pay for 11 years .It was told to me during the loan process that it was a fixed loan second mortgage and will be paid off with in 15 years but come to find out this is not true and was not disclose that is a home equity installment loan. I did not find out into I reached out to PNC asking more question about this loan type. They told me that I can refinance the loan which is almost the same amount that I started with for another 14 years. 

The correct information was not disclosure to me and my family regarding this loan. All the money I have paid in the last couple is going to the bank not to the loan amount which is still high. I am requesting that the company put some of the money I have paid into the loan because I did not fully understand the terms of agree upon at the time of services and was told something different. If lender states you are get a second mortgage ensure that the correct information is disclose to you and not get a home equity installment loan. This product is a waste they money thing you pay of your loan just too find out that you still owe the same amount. 

Please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Banana Republic solicited me to be a BR Card ( the Card ) user in XXXX. The BR Card is issued and managed by the Synchrony Financial. Synchrony Financial is a consumer financial services company headquartered in XXXX, Connecticut, United States. 

Subsequently I set up an online bill pay from XXXX  XXXX XXXX with the intention to pay off the account balance every month automatically. I have not used the Card since late XXXX and during the entire COVID period. I saw an automatic email from XXXX XXXX XXXX showing I was sending an auto-payment of {$78.00} to the Card on XX/XX/XXXX. This prompted me to review the account history. To my shocking disbelief that I have been paying the Card {$70.00} to {$90.00} a month every month since XXXX. The total amount of interest I have paid to the Synchrony is around {$5000.00}, far surpassing the charges I have ever incurred on the card mainly from using it in Banana Republic Stores. 

I subsequently made phone call to the Card and was greeted with disgruntled employees based in XXXX and XXXX with minimum training of US customer protection regulations and rules. A few subsequent calls exploring if anything can be done to rectify the situation given the obvious " mistake '' and such payment pattern doesn't fit the customer profile have been met with nonchalant attitude. A brief conversation with customer service around potential interest adjustment on the ground of COVID relief has been met with cold response. All conversations with the Synchrony employees were unproductive and the company 's attitude towards regulators when brought up by me was dismissive. In a subsequent conversation with XXXX credit card services, its employee suggested such behavior from Synchrony is " shady ''. 

Synchrony Card has charged me 25 % interest and pushed the minimum principle payment to < {$25.00} so that the company can make this " unnecessary debt '' outstanding for 12 years to collect thousands of dollars of interest. Additionally I have not received a single " paper '' statement in my mailbox for years. I have a habit of verifying what I am paying on a regular basis, this would have been caught by me easily if the paper statement has been delivered to me. 

This interest charging and letting customer paying absurd minimum balance for the client who is qualified for {$15000.00} credit limit is borderline fraudulent practice and predatory to the particular segment of customer base ( >750 credit score with sufficient financial resource to payoff {$2000.00} principle ). 

This is the only credit card I have ever had any problems, this is verifiable with all credit cards I have owned.

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 2017-11-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is not reporting a payment on an account ( XXXX ) on my credit report. My payment history is missing a payment for XXXX, which was paid on time. I have reached out to XXXX. They claim they are reporting to Experian accurately.

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 2021-11-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. 
Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. 
Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. 
The Company close the account they stated they have noted that the account was open without my consent. 
So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX  XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! 


This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. 
How satisfied are you overall with Discover? 

Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. 

Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. 

Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. 
Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. 
View Statement

Company response to consumer: Closed with non-monetary relief