BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened the account but never received a card or account information. I went into the branch in XXXX XXXX an was denied access to my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
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:
My wife and I just applied for a new loan and learned an existing loan with Rushmore LMS was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called Rushmore and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called XXXX and was told I can file a dispute since Rushmore reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected 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 2017-11-03
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2019-12-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To get around the provision of the CARD Act of 2009 that allocates payments to higher interest charges, Citibank is charging the same interest fee for cash advances and new purchases. 

This allows them to avoid allocating my payment to the cash advance, and instead they allocate to new charges that are not yet due. This results in an outstanding cash advance, which they then charge interest on monthly until my account balance - of all charges from past months and the current month not yet due - are paid in full. I think this is in violation of the spirit of the act, but ok, maybe that's just how banks and credit card companies get around the law to make money. 

But it should be illegal because they are charging me interest after I paid the balance due in full each month. ( This is because they allocated the cash advance amount to new charges that have been made since the account closed the prior month. ) I have loved my Citibank card and its effective customer service and fraud protection but not anymore.

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 2019-06-04
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted via telephone number XXXX. A company that would only identify themselves as " XXXX '' They said I must pay {$3400.00} or a settlement of {$2200.00} or I would be charged with 'defrauding a financial institution ' and would go to jail. They contacted myself, my ex wife, and my wife. Telling them all of the information on the case, including the amounts, the debtor and the case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: IL
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:
Equifax has been hacked and they waited over 2 months to notify the public. I believe my information has been compromised and I want valid compensation for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/22, I became aware of a hard inquiry on my credit report conducted by Upgrade. That day I spoke with Upgrade who informed me that someone had attempted to take out a personal loan and credit card using my identity. The identity thief was successful in obtaining the credit card and had been utilizing it. I filed a police report with my local sheriffs department and a FTC identity theft report on XX/XX/22 and sent this information to Upgrade per their request. I was told by Upgrade that the accounts would be closed. Upgrade then proceeded to report the credit card on my credit reports which totaled {$10000.00} in racked up charges. I disputed this account on my credit report with XXXX. Upgrade proceeded to deny the dispute and this fraudulent information remains on my credit report. Ive attempted to contact Upgrades claims department via phone and email multiple times with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Skrill USA, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Retained Paysafe Merchant services on XX/XX/2020 to handle payment processing for my company. On XXXX 2020 and XX/XX/2020 my company processed 4 business transactions, on XX/XX/2020 I was informed by their Risk Department that I needed to provide 3 months bank statements, proof that the customer authorized the charges, and Invoices. I sent the documents that were requested and contacted directly Ms. XXXX XXXX Operational Risk Analyst and advised everything was fine only to be advised the next day that my account was being closed due to inconsistences which she refused to provide information on sayting she does not have to disclose the information, I then got the sales rep on the line with us and she additionally was very rude and unprofessional to her colleague as well holding the same position even after being informed that my company had checked out as well as the company banking account. I also received a called from her supervisor XXXX who was even more unprofessional and refused to put me in contact with her supervisor. Their actions as well as the company has caused my company financial harm by causing me and requiring my company to issue a refund to the client and refusing me services that were promised via agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-06-23
Company: CHECK INTO CASH INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I went into the store to ask for a payment plan and XXXX said that If I entered into XXXX or more payment plans that she would not re-loan to me again. So I was forced to find another place to do business. She is very rude and made me feel like I was a piece of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Reporting company used your report improperly

Complaint:
XXXX XXXX  is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!

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 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: IL
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  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current. 

After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all. 

I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this. 

Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began. 

She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call. 

After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged. 

I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do. 

I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice. 

I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Why when I told my lender/servicing company before I signed their loan modification offer sent to me of XX/XX/XXXX, that I told them I couldn't afford their loan modification payments due to both health issues and affected by XXXX loss of income, they told me I have no other option but to accept their loan modification offer or else I could lose my home. 

Why did they never mention any other financial assistance option such that The U.S. Treasury first issued guidance for the use of the XXXX funds on XX/XX/XXXX. As an eligible entity that was approved to participate in XXXX, XXXX entered into a Financial Assistance Agreement with Treasury and received 10 % of California 's total allocation amount on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER FIN SVCS XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER BANK- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018.. 
I did not receive it. 
May I have a copy of the application filled out online to get this credit card?

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 2021-10-30
Company: EQUIFAX, 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 am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.

Company response to consumer: Closed with explanation