BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: BARCLAYS BANK DELAWARE
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:
I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX  to prevent being charged the {$990.00} and was left over seas without a credit card.

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 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Sentout3certifiedletterwithTransunion..XX/XX/XXXX,XX/XX/XXXX,andXX/XX/XXXXThisisgettingridiculouswiththecreditunionreportingXXXX.XXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXTransUnionConsumerSolutionsXXXX.XXXXXXXXXXXX,PAXXXXDearCreditBureau,ImexercisingmyrightundertheFairCreditReportingAct,Section609,torequestfurtherinformationaboutitemsonmycreditreport.

LISTACCOUNTNAMESANDACCOUNTNUMBERS1.XXXXXXXXXXXX-XXXXLoan-Negative2.XXXX/XXXXXXXXRevolvingNegative3.XXXX/XXXXXXXXRevolvingNegativeInquirythatareNOTvalid1.XXXXXXXXXXXX-XX/XX/XXXX2.XXXXXXXXXXXXXX/XX/XXXXXXXX.XXXXXXXX-XX/XX/XXXX4.XXXXXXXX-XX/XX/XXXXIwishtoseetheoriginalsourcesoftheinformationreportedincluding,butnotlimitedto,theoriginalcontractorserviceagreementwithmysignature.Ifyoucantprovidemewiththisinformationwithin30-45days,pleaseremovetheaccountsimmediatelyasneitheryouragencynorIcanverifythattheyarereportedaccurately.

Sincerely,XXXXXXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXSSNXXXXDOBXX/XX/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 2018-02-18
Company: Ocwen Financial Corporation
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:
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Transunion, XXXX and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card 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 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXXXX/XX/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 2023-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountBANK OF XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-09-05
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unfortunately US bank states they are not opening accounts in my area. 

However they direct marketed me with a {$500.00} bonus. 

I provided a lot of personal information. 
My credit is very good. 

Incredulously they are still marketing in my area to this day.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts as I don't know who's they are. Please remove them!

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 2017-09-09
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a part of the Equifax hack and my information was stolen and now all my personal information can be sold to the highest bidder due to corporate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
upon receiving my consumer report, I found many inaccuracies including this company reporting to all consumer reporting agencies. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate or unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: EdFinancial Services
State: MA
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:
Edfinancial keeps reversing my student loan payment every time I attempt to make a payment. They don't notify me when they reverse my payment, nor do they give me any reason as to why it is reversed. On my bank account, it appears that they never even attempted to take out money at all ( I continually check and there's never any mention on my bank account about a pending payment to Edfinancial. Nothing at all ), even though it says " processing '' on Edfinancial. When I attempt to call them to ask the wait times are 4+ hours and you can't get a hold of anybody. And their call line is only available weekdays 9-5, which is when most people are working, so most people having this problem wouldn't be able to wait that long on the phone. I select the " have somebody give you a call back '' option but they never, ever call me back. And there's no option on their website to pay another way ( like pay-by-phone, etc ), so I really just have no way to make my monthly payment in spite of multiple attempts on my end. Meanwhile interest is still accruing. It's messed up and it still has not been resolved. And yes, i've verified that all my bank and contact info is correct and accurate on Edfinancial.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB + Equifax, I am writing to have 2 unauthorized hard credit inquiries removed from my credit report. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located Please have these 2 unauthorized hard credit inquiries removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX with Franklin American Mortgage Company Monthly mortgage amount is {$3500.00}. I had been paying {$4000.00} per month every month. I mistakenly paid {$3500.00} on XX/XX/2018 for XXXX invoice, instead of the monthly mortgage amount of {$3500.00}. Still 99.6 % of the required amount. Franklin American cashed the check, then sent me back a check for {$3500.00}. I didn't receive the check and notification of under payment until XX/XX/XXXX. I sent another check for {$3600.00} that day. It arrived XX/XX/XXXX, but still got nicked the {$170.00} late charge. {$170.00} late charge for a {$13.00} underpayment seems fairly obnoxious. 

Franklin American has offered to reduce the penalty to {$88.00} [ {$170.00} - ( {$3600.00} - {$3500.00} ) ]. 

I'm requesting CFPB 's assistance in getting the remaining amount {$88.00} waived/credited back. 

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 monetary relief
Consumer complaint received 2023-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This complaint relates to Select Portfolio Servicing Inc ( SPS ) lying to me and to CFPB in their response to CFPB. In my complaint # XXXX to CFPB, I mentioned that SPS made an unauthorized withdrawal from my escrow account to pay insurance when my insurance was already fully paid until XX/XX/2024. In their response to CFPB, SPS said they did the right thing in paying for the insurance due to their receipt of a Declaration from the Insurance company. They attached that Declaration with their response to CFPB, which I am reattaching here. This payment was unauthorized and illegal for 2 reasons : 1. I never asked SPS to pay for the insurance because it was already fully paid until XX/XX/2024. 
2. The Declaration, that SPS attached as an excuse for their wrongdoing, clearly says " This is not a an Invoice/Bill. ( See Page 3 of Attachment, which is the same that SPS provided to CFPB in Complaint Number XXXX ). So why did SPS take my money from my escrow account to pay insurance when there was no bill and claim they did the right thing? They lied point blank even in their correspondence to CFPB, an organization that has teeth. Imagine how they have bullied and lied to me.

3. This illustrates how SPS has been providing me with extremely poor customer service. Their representatives have been giving me contradictory answers due to the lack of training they received. I feel bad for the front line reps who have to deal with frustrated consumers like myself when it is not their fault. It is SPS ' bizarre internal processes that give bad image to their staff and cause monetary damage to consumers. 
4. By law, SPS had 30 days to put the escrow balance in my hand. They did not send out the real money until XX/XX/XXXX, almost two months after they closed my escrow account. Their saying they mailed the first check out on XX/XX/XXXX was a lie. Others customers complained on CFPB website and to XXXX about same issue. They never truly sent out the first check to buy another 30 days with money in their pocket so they can make money with it. 
5. I want an apology from SPS and payment of {$300.00} to me for the 5 hours I spent on the phone chasing down the unauthorized insurance payment SPS and the extra days they kept my escrow balance refund If a consumer mortgage payment is late, SPS charges late fee. They were late in refunding my escrow and they wasted my time through their unauthorized payment. They should compensate me. Fair is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-08-30
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Please check to see if there is a Discover Card in my name ending in XXXX. If there is please close and report to proper law enforcement.

Company response to consumer: Closed with explanation