BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: U.S. BANCORP
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''

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 2015-06-05
Company: ERC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I pulled my annual free credit report. to make sure all was in order. I noticed that Republic Finance had a Hard Inquiry on my report that I did not authorize. Right away, I called the number that was listed ( XXXX  ) XXXX and left a message. This was their corporate headquarters. I called again on XX/XX/XXXX because I had not gotten a call back. The person answering the phone said someone in compliance would have to call me back. I did get that call later that day. The Representative told me that they were allowed to pull my credit. I asked her where that was in writing because I never received anything with that language. I I asked her why was I not mailed anything as a result of them pulling my credit. She said she does not know why. She this had happened before with others and had been noted but I would need to dispute this at the Credit Bureau then they can investigate this process. She mentioned that their system does not distinguish between Hard and Soft inquiries. Someone from the local office called to see if I wanted more credit from them and said no and asked her why was their a hard inquiry on my credit. She said it was their policy. I asked her to send me a copy of that policy. I have not hear back from her. Spoke to XXXX  today and was told they can not dispute Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Rushmore Service Center, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX at XXXX. I made an offer to settle an existing debt I owed. The lady I was speaking incredibly condescending and insinuated that I was morally bankrupt for not offering to pay the full amount. I expressed that I simply was looking to take care of my debt that I owed and would like to speak to a manager. I was then put on hold for 50 minutes. No one jumped back on the call at any point in time to tell me if I was still being connected. Just 45 minutes of hold music. I used a separate phone and called to ask to be connected with their FDCPA compliance department or a Manager. I was told they had no compliance department and no managers were available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I made a complaint about Comenity Bank via the CFPB ( XXXX ). I explained that I incurred some late reports on my Credit report due to XXXX and I submitted in documentation to prove my allegations asking the CFPB to help me. The CFPB submitted my compliant over to Comenity Bank and on XX/XX/XXXX Comenity Bank decreased my Credit Limit. I feel that Comenity bank deceased my credit limit in retaliation to myself submitting a complaint. I spoke to supervisor XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX  whom stated that he doesn't see a reason why my credit limit would be deceased except if they were going by my credit history in XXXX. This is the same credit history that I wrote in about asking for my late payments to be removed from my credit report. Also Comenity Bank had already deceased my Credit limit for these late payments deceasing it from a Credit Limit of {$250.00} to a Credit Limit of {$150.00}. I have been making all of my payments on time currently my balance is at a XXXX XXXX. Comenity Bank did not re-run my credit as all of my credit profiles are locked, so they would not have the access to do so. Please investigate this retaliation on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX ( Original Creditor : XXXX XXXX ) XXXX** have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-03
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXXXXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried calling SunTrust/Truist four times this week and I also emailed Truist concerning getting the proper payoff letter for the second mortgage that I had with them that was charged off in 2013. Every time I called, the representative says that the payoff is zero. I received a letter from Truist with an amount on it, but the underwriter stated that it wasnt a payoff letter. I am trying to close on my refinance next week and if I dont close next week, then I will lose my locked in interest rate in which my interest rate has already gone up before while I have been waiting to get a payoff letter from Truist 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 2022-09-11
Company: Westlake Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am a legal resident of Texas and my vehicle is registered with Texas. I am also a 100 % disabled Veteran that is going through some really difficult financial strain with my fixed income from only the XXXX XXXX. 
I have spoken to my creditors about this situation and have asked for a little leniency while I get myself in better financial stability. This was not offered or respected from this company as they elected to have my only means of transportation repossessed for being 30 days late on a payment. I had to deliver a payment of {$730.00} ( {$320.00} for current and late payment, fee of {$9.00}, and {$400.00} for repo ) on a budget that is not forgiving of any mistakes. Having no vehicle would mean a loss that I would not recover from financially, so I paid what they asked. I am now on the verge of being homeless and my credit is shot so finding another apartment is extremely difficult. 
Also, under Texas law, I am given protection from seizure by a creditor one vehicle for each member of the family with a driver 's license. I have no idea on how to deal with them when I try to discuss my options, to them it's pay-up or repo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One Bank USA N is reporting Acc # XXXX Balance of {$300.00}. I've never had such an account like that EVER. This is FRAUD and I demand for Capital One to remove this erroneous account off my credit report immediately. Capital One got compromised a couple of years ago and people 's informations are probably other in the black market. The FCRA consumer law states that everything has to be reported 100 % accurate if not they must be removed. This is hurting my credit and it does not even belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Macy 's store credit card was stolen/compromised on XX/XX/2021 and used to make unauthorized charges in the amount of {$1100.00}. I have contacted Macy 's to no avail to have these charges removed from my store credit card and credit report. 

These charges must be removed from my credit card and credit report immediately.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed several disputes with Transunion over the past few months, but the results were not made available to me. I was unable to pull them up on their website. I called in to the service center and I was told they would be sent to me via usps. It has been 5 months and I still do not have them. 
I also requested information TransUnion takes to verify information when a consumer files a dispute. I have asked this several times and I'm never given an answer. I have one company in particular who on several occassions has put a collection on my account but refuses to send me any documents regrading it. These only show up on my TU report. There have been THOUSANDS of complaints across the US from consumers with the same exact issues. 
As a consumer I have a right to know what is in my file. After submitting a complaint last week my online account through them has been blocked. 
TransUnion is literally holding my financial abilities 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 2015-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Landlord cash my last check before I broke my lease and still put my account in collection spoke with collection agency who does n't want to remove this from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX number : ( 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 2020-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 2 credit cards - Citi Premier Credit Card and Citi Costco Anywhere Credit card issued by Citi. Both cards are expired this year & I received notification from Citi that the cards won't be reissued due to " bankruptcy or a charge-off on another credit card account issued by Citi ''. When I received the notice, I immediately called Citi to inquiry and try to solve the issue to prevent my credit card account being closed. As for record, I do not have bankruptcy or charge off from any  credit card issued to me in the past. On XX/XX/2020, I faxed a credit report I pulled from XXXX  from XX/XX/2020 to Citi to show proof that the reason they denied my credit card renewal is incorrect. However, Citi didn't properly address my inquiry and as of result of it, my Citi Premier Credit Card was closed after XX/XX/2020. I was about to do a mortgage refinance and obtain 2 new credit cards from XXXX XXXX   and XXXX in between XXXX - XX/XX/2020. So I am simply don't understand why Citi won't reissue the credit card and Citi couldn't provide the proof which stated about the bankruptcy/charge off when I asked for. 
It is such a frustrating experience to deal with Citi Credit Card department about such incident when I clearly understand that they make a mistake and I am being proactively to address the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing was given my loan from XXXX XXXX, who received from XXXX, who received from XXXX via as an original XXXX loan in XXXX. Issues started with XXXX demanding an escrow account of additional amount but did not apply extra payment to escrow, instead to principal/interest with large fees for shortage even though principal payments made as well each month on time. After mulitipal calls XXXX said to combine payments and they refused next payment and gave loan to XXXX XXXX. 

XXXX XXXX refused to correct XXXX overcharges of interest, insurance, and penalties accepting 3 payments with new loan at higher amount I refused to sign. XXXX XXXX then gave loan to Fay Servicing. 

Sending letters of issues to Fay Servicing as well as over 30 documented calls from XX/XX/XXXX to XX/XX/XXXX with no resolutions with most calls never returned. 

I was notified XX/XX/XXXX of XX/XX/XXXX sale date. I had a signed sale agreement and called XXXX with no return calls. On XX/XX/XXXX my buyer was able to get an answer and patched me into call to request time to close. Contact refused and would not allow us to talk to Manager, only leave manager message which was never returned. 

Fay Servicing has also not responded to multipal requests of owner of loan saying it was owned by XXXX XXXX and then XXXX who both have stated no outstanding loans. Then they said the loan was sold by XXXX to XXXX XXXX  last year who also had no record. I have sent them a copy of letter from XXXX stating loan was paid off in XXXX which concures with my employment contract from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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 ( FCRA ) -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/2021, I as approved for a Wyndam Barclay charge card. I requested on a recorded line that the card be sent to me via XXXX  XXXX XXXX for a charge of {$15.00}. 
This was not done. Instead the card is being mailed to me. 
This causes a problem. 
I have stayed on the phone for hours and hours and have not been able to get a account specialist.

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 2016-08-04
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.

Company response to consumer: Closed with explanation