BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Application processing delay

Complaint:
I was flying home on Frontier Airlines on Friday, XX/XX/XXXX where the airline representative informed all passengers of a special credit card offer that if you applied while in air you got XXXX additional bonus miles to the XXXX mile offer that Barclay 's was underwriting after XXXX purchase on the card. Both my husband and I filled out XXXX separate applications and were hesitant about handing to airline rep because it contained all of our personal info but she stated they had to mail to show the customer applied while in flight to qualify for extra XXXX miles. After 1 month lapsed my husband received approval and a new card in the mail and was satisfied. I on the other hand never received the card nor denial letter. I called Barclays and they had no record of my application. My personal information had been lost in transit from airline to bank. This open me to identify theft, etc. I am not happy nor pleased. I filed a complaint with Barclays but they do not seem to care and I do not feel the process is right to give a full application to an airline employee to submit for additional miles. I want to be contacted to discuss further.

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 2020-06-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PR
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:
Since XXXX 2019 I've been trying to fix this problem. I have a student loan from XXXX University, administered by Heartland ECSI. My loan and payments showed in my XXXX credit report. I disputed to XXXX  the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, XXXX  responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though Hartland ECSI confirms they have been reporting my payments to XXXX  on a monthly basis ; ( 2 ) XXXX  says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the  account exists, it is mine and it was in my XXXX  report. ( 2 )  Hartland ECSI has evidence of reporting my information to XXXX, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank has misapplied my XXXX XXXX ( XXXX/XXXX/XXXX application date ) and XXXX XXXX ( XXXX/XXXX/XXXX application date ) principle only payments in the amount of {$200.00} each ( {$400.00} total ). I have contacted US Bank Home Mortgage twice, in writing twice, to resolve the issue. The bank has not responded to any of my written requests or attempted to correct their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a payment on XX/XX/XXXX. They have not credited my account in such a way that I can use the card. I made a {$570.00} payment on XX/XX/XXXX. Synchrony Bank /Paypal Master Card has acknowledged they received the payment however are not allowing me to use the credit because they say there is an investigation into this payment. I spoke to a representative on XX/XX/XXXX who told me it was an " investigation '' but would not give me any details. He told me it would be released in two days. After two days I contacted a supervisor who told me it would be released today XX/XX/XXXX. That has not happened. My issue is simply after making 11 months of payment I do not understand why they would investigage this payment. I have enjoyed 11 months of receiving NEXT DAY credit for my payment until without warning Synchrony Bank / Paypal Master Card changes the policy.

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 2015-04-22
Company: Siggi LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX Quicken Loans, aka, Rocket Mortgage, my mortgage servicer sent me a threatening letter attempting to intimidate me from bringing a claim to resolve a fraud matter. On XX/XX/XXXX, I unknowingly signed a promissory note for an incomplete, non-code-compliant and nonconforming new construction home. The property was unihabitable with defective smoke detectors, ungrounded electrical wiring, etc. The fact that the home failed XXXX final inspections was concealed. Despite the state municipal law section XXXX required a certificate of occupancy ( XXXX  ) be obtained BEFORE the escrow transaction, the XXXX consummated the mortgage without one. The XXXX also stated on record that a XXXX  is required before closing on new construction. I was unaware during the escrow transaction that Quicken Loans violated their own lending requirement and state law. Quicken Loans advertises to the public via the internet that a XXXX is required before or at closing for new construction. Their licensed bankers have admitted on transcript that a XXXX is required before closing. State government records shows that the home failed XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not provided XXXX days before closing. The final, completed appraisal was not provided before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was provided on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX. Recordings, emails and origination records prove that the XXXX is lying and can not substantiate the false claim. In XXXX, when my state investigated the XXXX, on record, Quicken Loans obstructed justice and refused to provide requested evidence. The XXXX refused to provide the recording from the XX/XX/XXXX loan application call attended by my XXXX XXXX XXXX. The XXXX refused to provide their closing instructions given to the escrow agent, proof of delivery of the XXXX  and proof of delivery of the appraisal. Origination loan estimates contradict interest rate disclosures. The appraised value of the escrow transaction relied on the home being complete, conforming and code compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called attorney who filed judgement in court. Attorney says there no file here contact the company who hired us. 
I tried to contact company but it is no longer in business. I contacted attorney again and they said that theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I have an open credit account with Synchrony Bank who back many different types of credit card financing, e.g. XXXX financing for Appliances ; Care Credit for medical ; cosmetic and vetrinary care financing and XXXX XXXX Pay for car repairs which I have. My complaint is this : Business practices are barely legal to my way of thinking. When you visit their website, you are continuously steered in the direction of giving them all of your information, or they wo n't let you into your account ; even with the correct password. Once you 've passed that hurdle then you are steered toward letting them into your bank account to take out money for payments and other things, and are told in contract that if they deem it necessary they will reach into your bank account and take out what they feel is owed to them based on whatever debit card you used to pay the last bill. Also, it is almost impossible to find a phone number or any other contact information for these people. The only thing listed for dispute resolution is an address which could take you months to resolve anything and by that time they can hit you with all kinds of late fees etc., although I have only had XXXX to date. I have always paid my card off before the interest period comes due. These people seem to try every trick in the book, with timing and otherwise to make sure that you either ca n't pay on time and they can hit you with a late fee and other financing fees or something. Their business practices may not be illegal, but they are certainly not ethical. My complaint is the way their business practices are structured from gathering information to collecting debt. This company is clearly a legalized loan shark preying on desperate consumers. I will pay the late charge that they hit me with because of a timing error with my bank over XXXX of XXXX weekend and I will close my account and never do business with these people again. Furthermore, I think that they should be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA XXXX XXXX payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

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 2015-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX  Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this account was included in a BK XXXX and has since been discharged. this debt was just recently been place on my credit file and should have never been placed on my credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX TransunionXXXX XXXXXXXX XXXX XXXX ) XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-17
Company: CORELOGIC INC
State: GA
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:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

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 2015-06-25
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.

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 2022-05-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Equifax because they told my lender that I was blocked and they could not give them my credit report. Equifax told me to fix it I would need to send them my social security card and driver 's license and I did. Today I checked in and saw what happened and called them and they said they got the documents but could not verify me anyway and wanted more stuff. They then transferred me to an indefinite hold. I tried calling back XXXX times and have been on hold a total of XXXX  hours today alone and each time the call cuts off. I have also called XXXX, XXXX and XXXX and all 3 say my files with them are fine but XXXX says Equifax Is showing error XXXX XXXX in error and they need to remove it. Equifax is pretty much dodging me at this point

Company response to consumer: Closed with explanation