BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

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 2017-06-08
Company: DISCOVER BANK
State: CA
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:
Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: AL
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 ACCOUNT : 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, 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 2022-04-06
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
A cybercriminal took out {XXXX} from my account. The Bank refused to waive this charge. My counsel advised me to immediately close this account. The bank blocked this account but charged me the entire amount and interest charge and finance charge. 
Under these circumstances, I took a loan of XXXX} from my father and paid this bank on XX/XX/2022. 
Nevertheless, the bank refused to close my account and let me take out my money. 
The name of the bank is City bank., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX New York 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 monetary relief
Consumer complaint received 2018-02-24
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had problems with a purchase made through PayPal and attempted to resolve it with the company through PayPal " consumer protection '' services. During the process PayPal 's process ; they sided with the Company with little to no research on the matter or in addressing what I said the issues were. The company offered me a 30 % discount and I attempted to change my ticket to mirror this ; however, they would not allow the ticket to be amended and only provided me with the options to cancel the ticket or provide a tracking number. It appears they are acting adversely towards consumers with their practices which I take as deceptive based on their promise to have protections. They would not allow me to open a new ticket to reflect the issue and instead said I had to resolve it with the company. This is a clear violation of 1005.11 ( e ) by not allowing a consumer to reassert a different issue with a transaction when new facts become available. I don't expect a response from PayPal but think the CFPB should look into their practices under EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: CO
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:
While Attending XXXX XXXX University back in XX/XX/XXXX XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: MS
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 have sent multiple letters to Experian. I received a copy of my Experian credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. 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 2017-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive Management Systems has violated the FDCPA and the Fair Credit Reporting Act. They reported several accounts on my credit report that has not been validated. I contacted both the company and XXXX to demand validation of the debts they are trying to collect and are reporting on my credit reoprt. I also disputed the debts with XXXX. XXXX deleted 3 of the collection accounts in XXXX 2017 because they were unable to validate and today I noticed that the collection accounts have been added back to my credit report with no notice received that they would be added back and the other 2 still remain on my report. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt. I have received no proof ( signed documentation ) of any type that this debt belonged to me as I demanded. There was no date of verification nor any documentation of the authorized HIPAA business relationship between Progressive Management Systems and the original creditor. Being that I have never been without medical insurance it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Westlake Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
15 usc 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX  XXXX, local time at the consumers location ; Westlake servicesXXXX XXXX XXXX has repeatedly harassed me through multiple emails!!!!

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.

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 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  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 2017-06-08
Company: SYNCHRONY FINANCIAL
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:
This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.

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 2022-10-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under the 15 U S C 1681 section 6 O 2 states i have the right to privacy 15 u s c 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 u s cs 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020, I paid off my federal loan balance of ~ {$75000.00} through a loan with XXXX XXXX XXXX. Following the announcement of the student debt relief plan, as I was a XXXX XXXX Recipient making below {$120000.00}, I attempted to reach my Servicer - FedLoans Servicing PHEAA- to request a {$20000.00} refund, but learned that they had closed down and thus could not provide a refund. Because my loan balance was {$0.00} at the time the shutdown, my account did not get transferred to another servicer and I have no way of requesting or receiving the refund I am due according to the relief plan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is wi th Bayview Loans tr ansferred from  XXXX   XXXX  i n 2015. I  have been paying the mortgage promptly monthly. I discovered that all payments were being applied to interest only. I contacted Bayview and was informed that the problem would be corrected. It was not. Later l was informed that the loan was a daily interest loan in addition to the 30 year fixed. I was not aware of this. When l make payments l use the customer service representatives. I ask how much is due each time and l make the regular monthly payment. Recently l found out that the daily interest payment was also due and that is the reason why all payments were applied to interest only. When l receive my monthly statements it does not reflect the daily interest amount and calls each month to the representatives did not indicate that additional monies were due. I think that this is a deceptive practice to cheat me out of my monies for the principle amount on the mortgage. I was never informed by mail or over the phone that additional monies were due. This practice allowed Bayview to take my entire mortgage payment and apply it to interest only. Since l started an inquiry with Bayview l have been given the run around. I received a statement outlying how the payments were applied. The statement was confusing and inaccurate. Recently l have been informed that the mortgage has been transferred. I think that the transfer is an attempt to get rid of my account because their practices were deceptive. I believe l am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX  Creditor ID : XXXX Was x-rayed for falling on shoulder. This was approved by the VA and they will pay. But they are trying to collect from me. This has happened before and they submit the bill to the wrong VA site for payment. I have told them the correct site but they don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
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:
Called and spoke with a supervisor who was not helpful and very short with her answers. She wasnt solution oriented when I told her I havent used my credit card all year long and havent used any of the benefits available to me. Also I havent seen any of the advertised promos. I told her its not fair and should waive my annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
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 customer service

Complaint:
I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off. 
XXXX XX/XX/2021 I paid {$5000.00} which paid off the card. 
XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success. 
* XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}. 
XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance. 
XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me. 
XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. 

This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same. 

These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score. 

The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate. 

It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: VA
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:
My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, XXXX and Experian credit report immediately. I would like for the XXXX XXXX  account and XXXX XXXX XXXX XXXX from the following company XXXX XXXX XXXX removed from my XXXX, XXXX and Experian credit reports. I also would like for the following company XXXX XXXX XXXX account to be removed from my XXXX, Experian and XXXX credit report. All three accounts was fraudulently open without my consent.

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