BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to a credit card offer with Target. There was a promotional offer if I opened a card I would receive {$50.00} coupon to use off of a purchase of {$50.00}. I received the card and the coupon in the mail. The promotional coupon said to download the coupon by scanning it no later than XX/XX/23 and the coupon has an expiration date of XX/XX/23. The problem is I did not receive the card until a few days after XX/XX/23. I tried to download the coupon but I received an error message saying it was invalid. I called Target Guest Services and I spoke to someone who assured me they would mail another coupon out with the correct dates. Three weeks later I have not received the coupon. I called Target Guest Services again only to be told that there was an error made by the printing company and the scan by date was wrong it should've matched the expiration date and there was nothing they could do about it. So, I was not given the promotional offer promised for opening the card due to their error. I asked to speak to a XXXX. I was put on hold for about 15 minutes then hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage, XXXX XXXX XXXX XXXX, TX XXXX - Loan # XXXX XX/XX/XXXX, Freedom made premature payment on property insurance after I informed them not to pay because, I had the policy carrier to reduce the annual cost. They overpaid by {$780.00} which the insurance company refunded to me in-turn XX/XX/XXXX ; I paid the {$780.00} back into loan escrow which should cause overage in escrow. Then XX/XX/XXXX Freedom did an Escrow & Interest rate analysis in-turn stated there is escrow shortage as their cause to increase the escrow & interest rate on my mortgage. They established their total monthly amount due which is setup for auto draft from my bank account yet since XXXX, XXXX, XXXX they created " shortage fees '' and informed me that they took it from escrow, yet monthly statement reflects they did not correct their error - and each month have me overpaying while they blame me for their ERROR $ and take more of my money! Atop this, five months later here in XX/XX/XXXX, they did ANOTHER escrow & interest analysis, and they state {$100.00} escrow surplus ( should be greater for I deposited {$780.00} ) and mailed {$100.00} AND WITH NOTICE THAT THEY INCREASED INTEREST RATE AGAIN ( they raised interest rate back in XX/XX/XXXX ). I DEPOSIT THAT {$100.00} BACK INTO THE ESCROW FOR THEY KEEP CREATING ESCROW SHORTAGE - NOW THEY SAY ESCROW OVERAGE AND THE VIOLATION BY LAW CAN ONLY INCREASE THE INTEREST RATE ONCE A YEAR! THEY ARE SCREWING ME OVER WITH FALSE ESCROW SHORTAGE, TAKING MORE MONEY FOR THERE WAS NO SHORTAGE AS THEY ISSUED AN SURPLUSS - THEY BY LAW MUST REDUCE THE INTERESTE RATE! I SEND THEM MESSAGE AND THEY TAKE NO RESPONSIBILITY FOR THEIR ERRORS- THEY MAKE RUSE EXCUSES! I DEMAND REDUCTION IN INTEREST RATE FOR THEY JUST RAISE IT XX/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 2018-04-16
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: Their investigation did not fix an error on your report

Complaint:
I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : 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 2023-10-12
Company: Shellpoint Partners, LLC
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
my mortgage was sold to newrez in XX/XX/2023 and since then i dont have communication with them. Its very difficult to make payment, there is always a problem in the website and by phone also. An operator comes out saying that they can not receive calls at this time. In XXXX and XXXX It was very complicated to make payment I had to insist every day more than 10 times daily by phone and website. But this month has been impossible. I am worried that the deadline is approaching, which is XX/XX/2023. My credit can be damaged and also I will have to pay late charges. And that will be a problem for me, be due to the irresponsibility of newrez. I wish you can help me. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a prepaid visa giftcard from a XXXX store on XX/XX/XXXX. I attempted to use the card yesterday, but it was declined. When i phoned the VISA automated line for futher information, I learned the card had been used on a website called, XXXXXXXX XXXX on XX/XX/XXXX, XXXX. This was a fraudulent purchase. I am hoping to get reimbursed for the {$100.00} that was initially on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On or about XXXX XXXX, XXXX XXXX XXXX incorrectly reported my credit card account to Experian as being charged-off. This apparently happened to hundreds of thousands of XXXX XXXX customers at the same time. 

XXXX XXXX services claims that this error was corrected a few days later but it has caused lasting damage that can not be cured under their mandatory arbitration clause that requires XXXX  of dollars in filing fees. 

As a result of this incorrect report, hundreds of thousands of their customers had substantial credit line decreases on other bank credit cards held resulting in higher utilization rates on those cards and lower credit scores. 

The damage XXXX XXXX XXXX has done is enormous and a short apology by their representatives is not enough. They need to be held accountable by the CFPB and other agencies the US government including the bank regulators.

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 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this card as a gift. After registering the card, I've tried using it online but the card declines. On XX/XX/2023 I contacted American Express about this and they stated that they " are protecting my funds '' and to " please use at online merchants that require the Card number, expiration and security code ''. This appears to be a common issue with this card but the company will not acknowledge that there is a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam, I would like your help to prevent Rushmore Loan Management Services a Debt Collector company from using any dishonest tactics to take my home. They want to change my Monthly payment from {$470.00} to {$510.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from that debt collector that indicated there is a shortage of Mortgage escrow. '' According to them they indicated a projected low point of {$810.00}. " Under the Mortgage contract State or Federal law, the lowest monthly balance should not {$280.00}. '' The difference between the projected low point and the amount required is $ XXXX This is the shortage. '' When I called them I spoke to to Rep. Ms. XXXX ID # XXXX on XX/XX/XXXX I was told the reason my mortgage going up on XX/XX/XXXX is because my hazard Insurance went up to {$1600.00}. My previous Hazard Insurance was {$1400.00}. The difference was only {$220.00}. 
I called the XXXX XXXX to tell them that I was about to drop them because the Insurance went up. They brought down the payment to {$1100.00} They sent me a refund check for {$540.00}. They told me to cash the check and returned my personal check of {$540.00} to The Debt Collector Escrow Department. I faxed to # XXXX a copy of the check from XXXX XXXX and a letter indicated the check for {$540.00} was sent to adjust the Mortgage Escrow shortage, Now my Insurance is lower than last year from {$1400.00} to {$1100.00} which I was paying {$470.00}. I do not trust them because they sent me a letter as written acknowledgment of receipt of my correspondence received by their office on XX/XX/XXXX, XXXX without even mentioning the check of {$540.00} that was sent to them with my letter. They also have not cashed the check and requested 30 days for review. 
Please help me, as a XXXX Year old with a husband that suffers from XXXX I can't not afford my mortgage to go higher because I will not be able to afford it. 
Your help will be greatly appreciated. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2018 I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to be paid out my first commission check. I spoke at length with Capital One 's customer service rep, and he set up a payment, double my normal monthly payment, for XX/XX/XXXX, and assured me if I made the payment according to his instructions the account would be in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a XXXX  XXXX  XXXX  and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment delay/plan was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX/XXXX  account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX XXXX NY Child support ENFC account # XXXX, and XXXX XXXX account # NXXXX 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 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 2018-11-28
Company: SYNCHRONY FINANCIAL
State: MD
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:
this account is paid off and the reason was not paid because working with credit to help me pay off all my bills Debt Relief Companies

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 2022-05-26
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: Information belongs to someone else

Complaint:
ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XXXX REGIONS LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-09-11
Company: Upstart Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account, savings account, and credit card at HSBC Bank USA have been inaccessible and unavailable since XX/XX/XXXX, during which time I called HSBC Bank USA customer service and was consistently told that it was being reviewed by the bank 's Risk Control department, however, no staff member told me why it was being reviewed and what the results of the review were, which has resulted in me not being able to pay back my credit card bills through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to yall, because I have sent out dispute letters Informing the credit bureau XXXX of the inaccurate information being reported. I have updated all of my personal 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 2019-12-02
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I initiated a dispute inquiry with the three major credit bureaus, XXXX, XXXX  and XXXX, because of a bankruptcy account showing on my credit file. The results from XXXX  and XXXX  investigation  stated that Lexis Nexis was the furnisher and source of the information that they are reporting on my credit file and I was told to contact Lexis Nexis. I initiated a dispute with Lexis Nexis and in response to my dispute, they sent me a letter dated for XX/XX/2019, and it states that an investigation was done and the resolution was that " We have verified information from our identification records based upon your dispute. '' What is that suppose to mean to me? They sent me a copy of my credit file and it shows a bankruptcy account and it shows that the source of the information came from the courts. I sent a letter to the bankruptcy court, to the address that is on my report and inquired if they had sent information regarding myself to a 3rd party or to the credit bureaus and they responded to my inquiry with a letter that states " that they do not share information with any 3rd parties nor the credit bureau 's. '' ( I have attached that letter. ) The credit file from Lexis Nexis that list the courts as the source for the bankruptcy information is false. I then received another letter from Lexis Nexis dated XX/XX/2019 stating that they initiated an investigation on my behalf with XXXX   and the results were that " The company that reported the information has certified to XXXX  that the information is accurate '', why would Lexis Nexis initiate an investigation with XXXX  when Lexis Nexis was the source of the information that XXXX  is reporting. They are playing games. They have not done a reasonable investigation. They have only sent to me letters stating that the information had been verified but never no proof of who verified it. This company is being very vague with the results of this investigation. I have a right to see and challenge the validity of information that they claim has been verified. I want documentation that clearly shows that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Berman & Rabin, P.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
threatened me with a lawsuit if I did not pay a fraudulent debt they claim I owe. I do not owe any debt.

Company response to consumer: Closed with explanation