BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: SYNCHRONY FINANCIAL
State: WA
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:
Dear SYNCHRONY BANK, I, the consumer and natural person XXXX XXXX, received an Adverse Action letter stating my credit card account : DISCOUNT TIRE XXXX XXXX XXXX XXXX was closed. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received.

SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit card account was closed. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent a letter to Transunion on  XXXX   XXXX ,  2017 via C ertified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back stating that it was verified, but did not state by whom it was verified. The letter that I sent included a letter from Alabama  Federal Court sta ting that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the court, and the letter is proof of this.

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 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/17 my credit limit on my First Bankcard Visa was decreased by half ( from ~11k-5k  ). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95 % of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief XXXX search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.

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 2020-03-23
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX    XXXX {$110.00}

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account 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 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 2022-03-29
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was transferred to BSI financial from planet home lending while we were in modification process. Once BSI took over they refused to give me an affordable modification but extended my mortgage by 40 years and {$100.00} payment reduction and threaten me to foreclosure. I have been affected by XXXX and was actually XXXX and my self employment business was affected. I am now forced to get social security income of {$2300.00} and My income has reduced and I do side consulting of approx {$1500.00} a month. I can only afford $ 1800approx. Please help. Also BSI had charged me additional fees and interest and late fees and threatens to report my 12 mos delinquent to credit bureaus and foreclosure. 
I have been making partial payment of {$1300.00} per XXXX XXXX lending for the last 12 months and that was very affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I went to this doctor in XXXX NJ for a service that cost XXXX dollars. I m extremely unhappy with the zero results! The results didnt meet my expectations and what I was promised. On XX/XX/2019 I opened a dispute case with capital one Mastercard and submitted all the documents including the second opinion letter as they requested, however ; only the XXXX dollars transaction was credited to me and not both. Capital one claims I was missing a second opinion letter for the second dispute and it has been denied. I dont understand this because both transactions are for one service and by one merchant why credit a portion and not the whole amount. 
Please help and thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Community Is in violation of 15 usc 1692e. ( 11 ) and 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020, I had initiated a dispute of alledged debt collection for the amount of {$1900.00} out of which they were willing to settle for {$950.00}. In that letter, I cited the collection agency 's obvious violations of FCRA and FDCPA which requires to provide me with " validation '' that is competent evidence bearing my signature, showing that I have { or ever had } some contractual obligation to pay such claim. 
XX/XX/2020, the Collection Agency sent to me a nine page print out of bill statement, claiming that was their only bases for the verification and validation of the alleged debt. 
XX/XX/2020, I responded to their letter and yet calling the company out on another violation : FTC opinion letter from Attorney XXXX. XXXX XXXX, which contends that a printout of a bill or itemized document does not constitute verification. And they again failed to provide me " verified '' proof bearing my signature. 
I am filling this complaint with hope that The CFPB will intervene in this matter in reaching a quick resolve. 
Thank you.

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 2018-05-30
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX. 
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month. 

I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity. 

My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.

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 2016-05-20
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Collections Acquisition Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
company called me didnt know who they was never received anything from them. put on my credit report. said that i owed them {$59.00} for a {$29.00} ups bad check. told them never wrote a check, send a copy of a check, told them must be fraud they refuse to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid the debt in full that I owed to the health care provider XXXX last year via their ebillpay system. I was surprised when I got a call from the collection agency this year. After their call I faxed them the proof of payment to the collection agency. 

Recently, I received another letter asking for the same payment which did n't include my payment in the transaction history that was provided to me. 

I am being harassed by these letters and the collection agency is not doing it 's due diligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
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:
To whom it may concerned, I sent in a dispute letter to Equifax and XXXX around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the equifax databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the equifax data breach..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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 ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX- Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she  asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week  's stay.. 

When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. 

The school 's admission office was pushing all type of financial aid so that she could attend their school. 

We would like this matter investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a conventional mortgage. I was approved for the mortgage. I received the mortgage commitment. I was told that we would close by XXXX/XXXX/15. Late Friday evening on XXXX/XXXX/15 I was informed by the mortgage company that they made a mistake and submitted my loan as conventional when in fact it 's supposed to be FHA. As a result the purchase is now postponed another 3-4 weeks. Once I received the commitment I notified my landlord who rented out my current house starting XXXX XXXX. I now have no where to go with a XXXX year old son!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank approved a Lowe 's credit card from my application. I used the card the day I was approved and only 2 weeks later they closed the account. They indicated it was based on my credit report as the reason for closing, however the only report they obtained was at the time of application and nothing changed on my report from the date of application to the date of closing. They are refusing to provide additional information and this now negatively impacted my credit score.

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 2018-07-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE 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 explanation
Consumer complaint received 2018-07-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year. 

Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.

Company response to consumer: Closed with explanation