BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/2022, I received a bill from my insurance provider, XXXX XXXX, to pay my homeowners insurance for XXXX, due on XX/XX/2022. I informed XXXX that I was selling my house effective XX/XX/2022 and did not want to renew. On XX/XX/2022 LoanDepot disbursed {$980.00} for homeowners insurance to XXXX. XXXX has since issued a refund check to LoanDepot for this amount. On the morning of XX/XX/XXXX, I contacted an escalation specialist, XXXX XXXX XXXX, to request a return of the funds that were wrongfully and prematurely disbursed. XXXX told me that I would have to get the money from my insurance company, which had already sent the money back to LoanDepot. XXXX has since refused to assist with recovery of my funds and has refused to return my funds. LoanDepot is in wrongful possession of my funds and claims that this disbursement was my fault. 

This is a pattern and practice of unfair and deceptive behavior by LoanDepot within a short time period, as LoanDepot also wrongfully withdrew over {$4200.00} from my checking account *after* my loan was fully paid. That is the subject of a separate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My CareCredit card is being charged a card security fee that was not disclosed upfront. I had XXXX  XXXX done XX/XX/31 and went to take advantage of the 24 month promotional financing. I have since learned they are charging me roughly {$37.00} a month for this pricing, wiping out nearly half of my monthly payment to this. When I tried calling their customer service line, I am directed to a different number. When I try to call their office, I have no luck in reaching them. Its upsetting because this fee was not disclosed and has only began being tacked on since my new promotional financing ( bill for roughly {$2300.00} ) began. This should be illegal.

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 2016-12-12
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Both my husband and I told this company that I am unemployed, have no money, my husband had XXXX bouts of XXXX that we can not pay this bill and to stop harassing us with calls. They wo n't stop calling. They continue to call my husbands work cell phone and my cell phone after we repeatedly said to stop.

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 2017-02-13
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.

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 2017-05-22
Company: Experian Information Solutions Inc.
State: IL
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:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 2017-01-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NV
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 have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : 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 non-monetary relief
Consumer complaint received 2017-01-27
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification since XX/XX/2012, up until yesterday my case was closed for a fourth time even after the representative told me i had handed in all my information requested in a timely fashion. 
I 'm tired upset and aggravated at this whole process that i believe US bank is playing with my time. I 've complied to all of their request, their not even denying me based on income but keep saying i have n't sent in the information when i did and have proof that i emailed it to them and they even responded with emails saying they received my paperwork, i do n't know what to do next so I 'm making this complaint to you then my next step will be the media outlets of XXXX. Thank you in advance for looking into 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 2015-11-25
Company: National Principal Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX 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 2016-10-31
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. 

I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. 

When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..

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 2017-02-16
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank claimed that I authorized charges based on XXXX facts that were presented to me 1. ) That the signatures on sales receipts matched my signatures 2. ) That the voice on 11 calls on this account were identical I provided proof, in the form of a certified forensic investigator, that there were no similarities and US Bank wrote in their response : " Please be advised that we are unable to provide you with copies of recorded calls that you have requested. ''

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased two automatic feeders from XXXX on XX/XX/XXXX using my XXXX credit card. The feeders arrived and did not work properly. I reached out to XXXX and got nowhere with them. They stated since the feeders had been used, they could not be returned. I submitted a dispute with my XXXX  credit card which is issued by Comenity Capital Bank because I was not satisfied with the goods I received. I got a letter in the mail stating they would review my dispute, and notify me in writing once it was finalized. To date, I still have not received a letter stating the outcome of my dispute, but I have called them on the phone and they said my dispute was denied because it was after the 30 day return policy. Per the terms and conditions on my credit card statement " you must contact us within 60 days after the error appeared on your statement '' which I did. The letter was dated XX/XX/XXXX which was within the 60 days. I met all the criteria of " if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may the right not to pay the remaining amount due on the purchase ''. I am including all correspondence between myself and Comenity Capital Bank with this complaint. The only letters I have received to date from Comenity Capital Bank are dated XX/XX/XXXX - We are working on your dispute and XX/XX/XXXX - directing me to contact XXXX customer service to help with my question. I have not received anything from them regarding the dispute being denied due to the 30 day return policy as stated on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called to find out what was going on with my inquiries because i checked my report and they were gone and then I got a message from my monitoring service that my score had dropped because those inquiries were added back on. I was told there was n't anything that could be done on there end and to contact the creditor.

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 2015-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Commonwealth Financial Systems, Inc.
State: OH
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 sent a letter on XX/XX/21 to the common wealth financial systems company who I noticed reported on my XXXX XXXX that I owe them {$100.00}, {$160.00}, and {$100.00}. I sent them a letter for them to send me verification that this is my debt, they have yet to send me anything in the mail to verify this is my debt. It is now XX/XX/21 and have yet to get anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent several letters letting the debt collection company know that this debt does not have the correct date that the account went into default. This debt is well past XXXX XXXX XXXX and past the statue of limitations for the state of South Carolina. They will not send me any information about this debt when I asked for validity of the debt. They remove it and then put it back on my credit report as if it is a new debt.

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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 2016-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.

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