BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

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 2022-03-06
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had signed up for the US bank XXXX XXXX XXXXXXXX XXXX and when I signed up it clearly said that if I spent {$2000.00} within the first 120 days, I would get {$500.00} cash back as an introductory offer bonus and I spent over {$2000.00} in the first 45-60 days itself and I still haven't received my {$500.00} cash back bonus.

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 2017-08-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for an American Express XXXX credit card under a promotion where I was to receive XXXX reward points once I met the spend threshold of {$5000.00} within 6 months. As of myXX/XX/XXXX cycle end date, I had met the threshold by spending {$5200.00}. Each time I contacted American Express they confirmed that I had satisfied the conditions to receive the XXXX reward bonus. They promised I would receive the bonus by XX/XX/XXXX or XX/XX/XXXX. Its nowXX/XX/XXXX and I have n't received the reward bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.

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 2022-09-01
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:
After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.

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 2017-08-28
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:
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date openedXX/XX/XXXXplease find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 2017-08-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws as well as the trust that borrowers placed in the company. Most federal student borrowers have a right under federal law to set their monthly student loan payment as a share of their income, an arrangement that can offer borrowers extendedpayment relief and other significant benefits. Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Keep reporting a payment past due and has never been late. Put all kinds os fees on here and turned it over for Forclosure. Then got stuck with all the Forclosure fees, when this should of never happened in the first place. Never missed a payment with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: MIDFIRST BANK
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sometime in XXXX of 2022, we were shopping around for some cattle out of state. One farmer contacted us saying they have what we are looking for and quoted us an amount of around {$800.00}. The seller showed us videos of the cattle. They then told us they needed a down payment to hold the cattle and to send it through the XXXX app. So we send round {$400.00} and then drove 5 hours to meet this seller. When we arrived, the seller texted my husbands phone stating Im not real dude, have a nice day. Filed a fraud complaint through our bank, they temporary put the funds back in the account. A month went by and we saw a negative balance of the amount that the bank put temporarily put back into our accounts. They told us they are not liable for this transaction because we authorized it. The company XXXX wont give us our money back because we authorizedit.

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 2022-09-01
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I order items from an approved PayPal vendor and did not receive my goods. The vendor no longer is communicating with me. I reached out to PayPal and disputed the charged on XX/XX/2022. PayPal said I would have my money back within 10 days. I've reached out to PayPal multiple times because they keep closing my case and and reopening it and saying it should be 10 days until I get my money back. The date is XX/XX/2022 and I just received another email of them denying the money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN HONDA FINANCE CORP
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I signed a leasing contract to get a new XXXX  XXXX from this dealership. I was in the State for work and was in need to get a vehicle. I came to the dealer because I saw their advertisement of leasing with {$3000.00} down payment and XXXX XXXX monthly payment. I was told the advertised price didn't include the tax. They said if I put down only {$3000.00}, my monthly payment would at a higher range of $ XXXX. After going back and forth for several hours, I got really tired and said that I wanted to put {$7000.00} down payment to lower my monthly payment. I asked if I can keep the car after 2 year contract ends. They replied : " yes ''. So I sent them {$7000.00} to get the car. About 2 months later, I went to XXXX XXXX Dealership in XXXX, Florida asking to trade for a new XXXX  because I wanted a bigger car. I was told by this XXXX dealership that they would buy the XXXX XXXX back. They said that they " would help me get rid of the car with no problem :, and I can start paying for the new XXXX from the beginning which was around $ XXXX at no down payment. I asked what had happened to the {$7000.00} I put down 2 months prior. They said none of that money went to the XXXX  total price. I asked my colleagues and found out that {$7000.00} only applied to dealer fees and what called " market adjustment '' that XXXX XXXX decided themselves due to " the shortage of the market ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: VANGUARD FUNDING LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I received a letter from Vanguard , Inc. stating that they were going to transfer my Investor Shares in the XXXX XXXX XXXX XXXX to XXXX XXXX in the XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and told that I did not want my shares transferred. They did so anyway. I wrote a letter of complaint, but they would not return my shares to XXXX XXXX which I purchased earlier this year. This is fraud. I complained to the XXXX, FTC, and econsumer.gov. Vanguard responded to the complaints with letters. They are attached. They state that they transferred my shares without my permission because the expense ratio was less. I do not care about the expense ratio. I purchased {$3500.00} in investor shares earlier this year and I want them returned to the investor shares.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notice from Transworld Systems Inc. that I owe a debt that they can not verify I owe. I have on multiple occasions requested proof of debt, and have had no luck in correspondence from them about the debt ( See attached images ). I have not received emails verifying the debt, or any correspondence proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: SC
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 born US citizen, I am a living human being, I have rights under 15 USC 1681! Experian is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Experian written permission to furnish these accounts or inquires : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.

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 2022-09-01
Company: Cope Enterprises, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022, This lender : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX | XXXX Independent Home Loans , LLC XXXX # XXXX Inquiry : XXXX XXXX XXXX XXXX With out My authorization, He run my credit report, getting me a Hard Inquiry, 5 points less on My score. I never signed or apply for any document where it says they can Run My credit. This person was told that I put an offer on a House across street where they need to decide in 24 hours what I asked for. If the Vendor agree we can formalized the documentation and proceed with the next step that is signed and provide all documents to apply for the loan. He ran on everything with out my authorization. 

I need please to removed this Hard Inquired and get my Score back where it was. Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX,2017 when I called synchrony bank to make my payment I was advised that my deferred interest was now all going to be applied to my account at once {$1900.00} for my 18 month promotion was expired, coustmer service rep said I can extend the {$1900.00} for 30 days and that was all she could do at the time, so I explained that at the time of financing this product I had no idea that the interest was deferred and added in full for 18 months from my understanding I was told by sales people that after 18 months you start paying interest not all interest was added after 18 months, the contract was electronic on the computer and I believe it was just very misleading by the sales person and the way the contract is worded I explained to the coustmer service rep if I would have know that the interest was going to be added after the 18 I would have laid it in full, cause how wants to pay more interest then what they owe after 18 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for   XXXX   XXXX   XXXX   XXXX   a few months ago because they waived the {$990.00} annual fee because I 'm currently on  XXXX   XXXX  in the  XXXX   XXXX . On    XXXX   XXXX   XXXX  ,  they sent me the attached letter which states that they will no longer waive the annual fee and that my annual fee is scheduled to be assessed on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I was charged the {$990.00} annual fee. The phone number they provided on the letter was to a voicemail which they said calls would be returned in 2 days. I called their regular customer support number and was able to talk to a representative. She stated that they will review the situation and contact me in the next few weeks.

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 2017-02-17
Company: Eagle Creek Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: ID
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, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: ID
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, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2. 

It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes

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