BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
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:
XXXX XXXX XXXX and Transunion should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my mortgage, transferring the loan from Pentagon Federal Credit Union to another credit union. The closing took place on XX/XX/XXXX and I was expecting the release of my escrow and refund of overpayment of the payoff within a matter of weeks but as of XX/XX/XXXX I have not received either refund. It seems to me that Pentagon Federal is holding my funds for the float rather than returning them to me in a timely fashion. Attempts to rectify this with PenFed were unsuccessful and when I reached out to the title agent, they informed me that PenFed actually processed the incoming wire a day after receiving it, triggering an unnecessary day of interest. 

My title agent suggests PenFed is notorious for doing this. 

Documents can be provided as necessary.

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 2021-03-22
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Possible Finance was trying to collect a payment from me for {$43.00}. I have been over a year been unable to make the payment due to their inability to let me update my information online/through the application. I was forced to email them, as during COVID they were not, and are still not taking calls. No one is returning my emails so that I can clear up a {$43.00} debt. They continue to report me late, and it is hurting my credit. I have emails for over a year to pay and delete this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute. 

It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.

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 2016-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like have the following unauthorized inquiries removed : XXXX via XXXX XX/XX/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 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 2022-04-11
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To who it make concern XXXX XXXX XXXX I'm contacting you about some very odd feedback on banks accounts I have that I feel have be tambered with bye the financial services who I have banked with. 
XXXX is XXXX XXXX  XXXX  the others are Becu, XXXX, XXXX XXXX XXXX and let not forget XXXX XXXX that I closed physically in XXXX of XXXX. 
Please concetor I the account follow have very much try to communicate with these financial institutions who I am the sole account owner and have not had any good results in coming to a professional matter by the follow above. 
Thank for having this service you provide. 
Today 's Date XX/XX/XXXX. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently send a letter to XXXX  disputed two items that was on my credit report as ( Original creditor ) with no phone number or address for the creditor. XXXX  stated that these items were verified by the creditor. I called the creditor and they stated that " they have no outstanding account with a balance. I also asked XXXX  for that creditors information in which they gave me a company called, PARAMOUNT RECOVERY SYSTEMS. I called PARAMOUNT RECOVERY SYSTEMS and they too stated that these items was verified just by my name and date of birth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a motorcycle back XX/XX/2015, which was financed through Synchrony Bank. When closing the sale the representative helping us at the dealership told us the payments would be automated and asked for our credit card information. The first payment was supposed to go through in XX/XX/XXXX, but it never did so I called Synchrony Bank in XX/XX/XXXX to see what was going on and what I needed to do to have them charge the payment to my card. They informed me that they did not process automatic payments via credit cards and that I 'd have to complete and return an authorization form allowing them to withdraw the monthly payments. I completed and returned the form along with a money order for the past due payment. In XX/XX/XXXX I noticed that, again, the automatic payment had not been processed even though I had mailed them the authorization form so I called Synchrony Bank yet again. I was told I needed to mail them the form again and another money order, so I did. After that, I did not hear from them again so I assumed everything had gone through. Yesterday a repo man showed up at my mailing address to repossess the motorcycle - I was not there, nor was the motorcycle so they left a message with my brother for me to call them. Today I called Synchrony Bank to ask what was going on and they told me that my account had been sent to the collection department so they could not help me. When I reached out to the collection department they forwarded my call to the repo department who hung up on me when I requested someone who spoke XXXX since my spoken English is not great.

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 2017-03-09
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. 

Their response to my first letter is attached. 

I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. 

I have yet to receive a response from them. 

This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. 

I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. 

I do not recognize this debt and all I 'm requesting is that they follow the law. 

A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any of the above required documentation despite submitting XXXX requests. 

If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Rocket Mortgage, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I applied for a mortgage with Quicken/Rocket mortgage company in XXXX of XXXX. During all discussions I made it clear I was looking for a mortgage with a rate of 2.75, no points, and an APR of under 3 %. I spoke with XXXX XXXX XXXX and he said he would be able to do this. When I received the initial paperwork I noticed there was an origination fee with 2 points which was {$8700.00}. I immediately called XXXX XXXX who assured me these " points '' had to be added to get the rate I requested however XXXX/XXXX  would be covering the points in credits and they would be at no cost to me. XXXX XXXX went over the loan estimate, noting there would be credits ( some of which were under the " Adjustments and Other Credits '' section in the amount {$5900.00} ) and with an estimated Cash to Close amount of {$200000.00} he explained that the points were covered by Quicken/Rocket .... over the time period between the initial Loan Estimate and the Final Closing documents there were several adjustments made ( in the Loan Estimate dated XX/XX/XXXX the cash to close increased to {$210000.00} with Adjustments and Other Credits changing to {$8900.00} ) however I never questioned it as I was told I would be credited for the applied points. There was also a personal loan in the amount of {$11000.00} so I understood that many adjustments were being made but again I was told that the points ( in the amount of {$8700.00} ) would be covered by XXXX/Rocket Mortgage. When we were scheduled to close on the loan the points remained and it was explained that the " Adjustments and Other Credits '' were actually charges as they did not have a minus symbol. I explained that I was assured there would be no cost of closing points to me and I was told to go ahead with the closing as we did not want to lose the home and it would be investigated after the closing. We closed on the home on XX/XX/XXXX and I have been doing back and forth with Quicken/Rocket to try to resolve the matter. While they have verbally acknowledged XXXX XXXX stated XXXX would cover the majority of points, they have offered me .25 % of a point which amounts to {$1000.00} as a resolution. To me this is unacceptable. Their practices were misleading and unfair, and I would have never agreed to the mortgage with them had I known they would do such a thing. I purchased this home with my mother who has her original mortgage with XXXX XXXX and we did not get our current mortgage through them because they required us to pay points to get a rate of XXXX. XXXX XXXX assured me the points would not be of cost to me and would be credited and covered by XXXXRocket Mortgage. While I originally believed this was an accidental mistake on the part of XXXX XXXX and XXXXRocket Mortgage I now feel it was done purposely to mislead me into paying said points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$110.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX  response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX Bank was sold to XXXX XXXX. As of last week XXXX XXXX forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by 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 2016-03-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.

Company response to consumer: Closed with non-monetary relief