BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: Fairway Independent Mortgage Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX and in XX/XX/2019 I was interested in a property and I contacted by the realtor who could help through the process obtaining this property. I was directed to the XXXX XXXX XXXX in XXXX XXXX Arkansas to assist me in the process of financial assistance of getting this property. She asked me turned all the documentation and in hope that I would qualify a loan through this lender. As XXXX was approaching I made it my business to turn in all the documentation for this property so an offer can be made. Since the property had been vacant little over a year and no other persons had made any movement toward the property I was sure that I would have no issues in finalizing me getting into this property. This would not be the case several week turned into what is now XXXX and heard nothing from any party about the home or was there movement from the Mortgage Company about any request that was in getting the property in question. On XX/XX/2019 with no real concern in a group text just casual stated an offer has been made on the property who you like me to help you get into another home. I never thought this would be the issue, but here I am faced with the real situation why did you not help me obtain this home? Several months passed and not a single person contacted me to help me in the home buy process. The Same owner has another property near each other and the family moved in within a XXXX weeks and I am or was still waiting for assistance. I simply do not want to believe the pigment of my skin was the bias for this company not assisting me in the process of getting in this home. I would hate for that to the issue in 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
American express refused my application for a new card after being a card holder in XXXX and XXXX for over 48 years. 

I have only a minuinmal credit report based on 1. no activity and 2. education payment by one of my children AND 3. Just returning to USA after working for years out of the country. 

So American express simply rejected my card transfer. OMG after years of good credit with them. And offered no help, no interest, nothing. 


There policy is so terrible and the credit report is so so misleading. And they should no interest in check y credit ith them or any one else over the past 40+ years. 


That rejection has causes me great embassment and many problems. 

I also have great credit with banks in XXXX and XXXX and other credit cards with great credit. 

The Amex system is unfair and wrong and misleading. The situation is costing me money and other problems having to use cards regester in other countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 {$26.00}, XX/XX/2021 {$26.00} on these dates I didnt pay an was charged a late fee. How when a finance charge is being collected under my rights have been violated under these statues 15 usc 1692d, 15 usc 1692e. Ive repeatedly told the company to remove the negative reporting from the consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Thhis is a compliant against rooms to go and Synchrony ( both companies are blaming the other ) XXXX XXXX I went into rooms to go and my salesman was XXXX XXXX and was approved {$7500.00} credit for 60 months no payment no interest card and I was told by XXXX that it could be used online, in store or at the outlet and I wouldn't be charged interest on any purchases. I purchased a living room set that day for {$1800.00}. A few months later i found a dinning room set at the outlet store and purchased for {$770.00} and was told again that I wouldn't be charged interest on this purchase. On XX/XX/XXXX I was charged {$19.00} interest and {$29.00} late fee ( which I am not sure why ) XX/XX/XXXX interest charge of {$18.00} On XX/XX/XXXX interest of {$18.00}. So I have been charged {$57.00} in interest charges on a NO INTEREST CARD! I spoke to someone on XX/XX/XXXX reference # XXXX and was told that everything would be taken care of. In XXXX I went into the rooms to go and spoke to the manager and he told me that my order from the outlet store was entered into the system under the wrong promotional type and he would get it taken care of and all interest and fees would be returned and going further the no interest would be honored. I Get my XXXX statement and interest is still being charged. I just left from going into rooms to go and speaking with XXXX and now she is trying to tell me that I needed to spend {$1000.00} to get no interest at the outlet! I was NEVER EVER TOLD this after speaking to over 5 people. Synchrony customer service is now refusing to speak to me telling me that I need to speak to Rooms to GO! I have been lied to and I keep getting the run around. If I was told that I would be getting charged {$18.00} a month interest I would have never made that purchase. All throughout this process I was told that as long as I made my payments on time and paid off before promotional period I would not be charged interest on ANY PURCHASES.

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 2018-01-16
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I off Bridge crest need it to be report to XXXX 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 2018-01-10
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I want Sallie Mae to stop calling family members, friends, ex husband and ex boyfriends ( people who dont have anything in relation to this loan and matter ) to put pressure on me start paying them. I am constantly calling Sallie Mae, last call I made was XX/XX/XXXX to find a way to have an agreement between us and make reasonable payments for my loans. I keep communication with them but they keep calling other people and its causing me huge problems with my husband and with them as well b cause they want to get these phone calls from Sallie Mae since they have nothing to do with me anymore. In XX/XX/XXXX I had a big argument with my case manager and warned her not to call other people who know me just to pressure and pay I told her I wasnt recording her and that whatever they are doing IS ILLEGAL and she apologized and told me they wont do that again, my husband and I got separated for that reason because a few of ex boyfriends and ex husband kept coaling me for that matter. Its getting out of hand. However, they did it again on XX/XX/XXXX. These people called me asking to tell XXXX XXXX not to call them. I dont know how to make them stop. I keep contact with them at least twice a month and they have evidence of that in their recordings. This is destroying my marriage and i urgently need help to make them stop calling people who are not in the loan and are not even related to me. Please help me. Because of this my husband, who wasnt gon na help me paying my student loan, while I Prepare for my boards to get into a XXXX ( XXXX XXXX ), do not want to help me. Please help me. Thank you! The file attached was sent to me my ex husband who is tired of getting this calls and causing trouble with his wife as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On or about XXXX XXXX EXPERIAN received a letter from me in which I asked for verification of alleged accounts on my credit report. EXPERIAN has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 
Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the credit card company XXXX XXXX on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. XXXX told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. Equifax and XXXX show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged XXXX. Equifax and XXXX also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Please refer to attachment for more detail. 

Sun, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX wrote to Executive Escalations XXXX : Good morning your free annual credit report requested XX/XX/18, dated XX/XX/18 was received by ordinary mail yesterday. Your failure to provide the required PIN, receipt delayed for more than 1 year remains dangerous and injurious to gainful employment. As related to the PIN please review and respectfully respond to the attached PIN audio request. 



The XX/XX/18 credit report contains 37 errors. These 37 errors will be shortly addressed for resolution to you. 



Please also find the 2 attached audio recordings of XXXX XXXX employees. Based on this and related referenced fact please confirm by return email TransUnion decision to cease reporting XXXX 's fraud as adverse. Should there be any question of these 2 recordings the XXXX confirming phone bill records are : Thank you for your immediate PIN by return email and your confirmed removal of the adverse XXXX account by return email.

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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a XXXX XXXX XXXX, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1000.00} 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 explanation
Consumer complaint received 2019-04-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an account with XXXX XXXX- XXXX . I have paid the account to XXXX by working 2 and 3 jobs, however the company keep running my credit which I work hard to build ( by paying them to zero ). They are running my credit without my permission. However, I didn't authorize it because I don't want an increase or any business with them right now. They came back and reduced my credit line causing a massive 27 point decrease. This is a never ending situation with this company. Unauthorized pulls on my credit ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with Credit Acceptance, XXXX, Michigan, where I didn't even realize that I had a past due amount of {$2700.00} on a {$26000.00} car loan where my car was repossessed last night, XX/XX/2019, without any notification of via mail, email nor phone call. I spoke with an agent within the last thirty days notifying them of a change of address and no mention of repossession was mentioned. My account  number is 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 2018-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Social Finance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This company outright lies. A previous complaint was filed. The complaint number is XXXX. In their response they stated they could not send paper statements because we moved and they could not contact us. That is a lie. We have not moved since the inception of this loan. They promised to send us a statement, we won't hold our breath. I will be filing another and another and another complaint when we don't receive the statement. This company illegally gave us this loan. They don't have a license to practice in the State of Wisconsin. I so feel we legally don't have to repay this loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX   Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On XXXX my Bank of America account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.

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 2018-11-23
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: Credit inquiries on your report that you don't recognize

Complaint:
i am having this credit monitoring issues from XXXX. i have been already filed some complaints on XXXX XXXX, experian and other credit bureau companies , because of these companies am paying my car interest APR is 18 % and my car insurance XXXX , where every one used to pay XXXX . i have asked many of customer care persons of that particular companies but no use. those companies holding grudge and taking very personally and making me to face very hard time, because of these companies i am not getting any credit card and good credit score. new persons just came united states are able to apply credit loans and i am staying here from XXXX i can not even apply just one single credit card in USA this is weird .i have some issue with XXXX XXXX XXXX in XXXX still am having problem and facing very hard time with family because of these credit bureau companies. XXXX XXXX person told even i can complain to Trump but no use it seems. that means they are holding government or what, i don't understand. i thought people can stay safe in America but because of these problems people are failing in their life.

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 2021-05-10
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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 credit score dropped and when I figured out what it was it was because of the loans but Im not in default

Company response to consumer: Closed with explanation