BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Union Home Mortgage Corp
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My most recent mortgage statement reflects a {$5.00} charge on XX/XX/XXXX for a Payoff Rush Handling Fee. I did not request a payoff quote on XX/XX/XXXX or any other day. I called the customer service number on my statement. The representative from the services said the request came through their automated system for someone with a phone number with area code XXXX. That number is in XXXX, Ohio and I am in XXXX  Michigan. The representative told me that she could not remove it and that I should call the phone number of that person and ask them to give me {$5.00}. This is ridiculous that a 3rd party can request a loan payoff and have it charged to my account and the servicer claims that it can not be removed

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 2022-03-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint.

The following Creditors have violated the rights afforded to me by the FCRA : XXXX. XXXX XXXX XXXX  - Account Number : XXXX. 
XXXX. XXXX XXXX - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

***The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have disputed for 4 months with no results XXXX rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( Transunion, XXXX and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

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 2020-10-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX a funding deposit was sent to Synchrony Bank for the Amazon Credit Builder store card. The secured credit card had a opening credit of {$200.00}. In XX/XX/XXXX the balance on the account was paid in full. On XX/XX/XXXX I filed for personal bankruptcy, which DID NOT include the Amazon Store card. 

In XX/XX/XXXX through to XX/XX/XXXX I had spoken with numerous customer service representatives that had assured me that my deposit was being mailed to me only to find out it was not. On XX/XX/XXXX I received a letter from XXXX XXXX on behalf of the CEO and Director of Synchrony Financial. In her letter it states their policy is to send these checks to the trustee. 

If the account is not part of a bankruptcy that is incorrect because now this account is marked as bankruptcy when it was a clear account that there was no delinquency. 

This is ethically and morally wrong, I am filing a complaint because this company did not abide by their own policy regarding secured funding deposits. This is what it states on the Amazon website regarding Amazon Credit Builder.

Security Deposit Refund If you close your account and have paid your balance in full, you will receive your security deposit back by mail. If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Learn more about upgrading to the Amazon Store 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 2022-08-12
Company: Siggi LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: General Motors Financial Company, Inc.
State: MA
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 shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have citi aadvantage master card account. I lost my card and requested a replacement. I was told the cards were canceled. The next day I recieved two new cards by XXXX, I activated both cards using the number on the card XXXX XXXX XXXX. My daughter used my wife 's card to make purchases including two purchases of XXXX at the XXXX XXXX in XXXX XXXX. One transaction at a XXXX XXXX was approved. The two XXXX  purchases were denied. I recieved fraud alerts and approved the purchases twice. They were declined again. I called back and tried to find out why they were denied a second time. The person said he didn't know but they were declined. I asked him to reinstate them. My daughter had to pay on her credit card and I will have to pay cash from my bank acccount to reimburse her. The phones are gist s to my grandson in XXXX and my daughter. I called citibank this morning. I talked to an agent who said my cards had not been activated and she activated them. I pointed out the harm done by the inappropriate denials and requested they reactivate the denials. They said, they can not reactivate a charge that has been denied. They said all they could do is activate my card. I spoke to a supervisor who said the same thing. Citi acted illegally and inappropriately by denying that I had activated the card and they have electronic transactions and recorded phone calls to that effect. Citi acted in appropriately by denying the charges when I had a {$5000.00} credit limit sufficent to approve the charges. Citi acted inappropriately by not making me " whole '' by reinstating the charges and action to remedy the distress and problems created for my daughter and I. Citi should fix these problems and provide appropriate remedies. 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 2019-06-20
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a pay statement from ally bank, I went forward and accepted it for value. They continued after by putting a restriction on the account and would only accept certain forms of payments, I sent a letter in to validate the debt. I do believe the account is paid for in advance I asked 10 questions regarding where the money came from and how was it circutrated in my name without my consent. They failed to validate the debt within the time frame given twenty-one ( 21 ) days they also failed to stipulate their claim against me for owing said amount.

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 2020-01-11
Company: ID Analytics, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A recent credit report secured from " Sagestream LLC '' about my credit was knowingly reported extremely low rating in order to cause high interest rate with the bank requesting the report. This appears to be common practice with that company given the large amount of complaints that can be found on the internet regarding this agency. My legitimate credit rating is XXXX, but reported by Sagestream LLC as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, My name is XXXX XXXX, Administrator and owner at XXXX XXXX XXXX, My address is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On XX/XX/2020 a Solar company showed up on my door steps discussing a possible Solar panel to be installed on my roof. Company name " XXXX '' I was told that we needed to have a Fico score of XXXX  or higher. On the day of the visit I id not provided the company with all the information they required.I was to meet and discuss the details the next day but since the home in question is a Residential facility for the disable children we were instructed by the governor of California to keep all people we do not know at bay. The company was informed of this changes the following day but my Credit was pulled the day of the initial visit without me giving consent. When asked why they reported the inquiry as a loan I was told that they were not aware of this. 

My Fico score went down 13 points as a Hard Inquiry and reported as a loan. 
Sales reps.were XXXX and XXXX, two brothers XXXX. 

XXXX XXXX  XXXX  county District Manager XXXX XXXX Per XXXX  the DM I was told that he would look in to this problem after I provide him with a copy of my Bill from XXXX. California XXXX to see if I am a good fit for their company. 

At this point I am requesting the inquiry will be removed from all credit bureaus and that all my private information will be deleted from their company data for me and my sister XXXX XXXX. We would like a letter in writing stating all of 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 2019-10-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2019-08-31
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was a couple months behind in XX/XX/2019 when Nation Star mortgage took over my loan. 
I called them to set up a payment arrangement. I was told that they can't do that, unless I pay the total about do. 
They suggested to apply for modification loan. 
So I agreed and started the process. 
They told me I didn't need my cosigner information because she isn't a contributor to my loan. They keep repeating same issues incomplete application. 
I summited everything I had for me and my partner. 
On XX/XX/2019 I talked to a representative on the phone and emailed her back and forth. 
At the end of XX/XX/XXXX I was served foreclosure papers. The hole time I was being reassured by a representative on this company that I was no where near forclouser. 
I talk to a representative at least one to two times a week. It's been one miscommunications after another. I send repeatedly the papers they ask and repeatedly I get told no right information. I ask to speak to my single point of conduct. Doesn't happen I have not been able to make a single payment on my home all this time. It's now beginning of XX/XX/XXXX and I have had no results or resolution. 
I have asked several supervisors at this company to review my phone calls. I have asked to speak with someone that actually knows what I need to send. 
I have so many documents that I'm not sure exactly to send. 
I have faced alot of documents to them I have expressed mailed paperwork to this company. 
I get told they don't have it. If the papers dont have the account number on every page they throw it away. Or I get told they didn't receive it. 
Where are all these documents then that has my personal information on it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid XXXX on XX/XX/2020 using Discover cards web site. On that same day the XXXX was deducted from my account and when calling to make sure it had gone through Discover showed the balance as zero but the available credit ar only XXXX dollars. A week later its still showing only a XXXX available credit but a zero balance. I called Discover on XX/XX/2020 at approximately XXXX XXXX and spoke to XXXX. She said that the payment was under review and that they sometimes do that to make sure it clears. I advised her that it was taken out the same day that I paid and she said that sometimes they just review a payment. I asked her what the criteria was and she didn't know. I told her I could understand if it was a check but not a bank transfer. This is ridiculous that they get to hold onto the money and not credit the account fully for available credit. What am I supposed to do going on a trip? Unacceptable practice. Never been late, paid off my balance in full what stupid money making trick is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A XXXX dollar prepaid debit card was purchased for me. The company was Netspend. The card number on original card was XXXX. When trying to " activate card '', I was told I had to switch this over from a temporary gift card to a " prepaid account '' in my name in order for it to work. The prepaid card number is XXXX. Now, when trying to find out the balance and use the card, I was told that I was being charged a monthly fee I was never told about that took my entire XXXX dollar gift I had to begin with. The company scammed me to switch to a product where a fee would get charged so they could basically take my money from me. I was never given the option to us the gift card as it wouldn't even work, which is what prompted me to call when they told me I had to switch to make it work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2019 my secured credit card was closed unknowingly to my knowledge. My credit card was only behind 2 months. This is a card that I use for everything that a credit card is required for. I was without a job and I called them last month in XXXX and informed them that I am aware that my payment is behind but I have great news I am starting a job soon and will be able to pay my card bill. My secured credit card amount is only {$400.00} and they closed my account after 2 months of missed payment. My card is with Citibank XXXX XXXX XXXX Credit Card. Note, XXXX also accepted my payment and I was not aware that they closed my account. I think that this is unfair and I really need this card. I am trying to maintain my credit and this sets my credit back, big time! Could you please help me with 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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

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