BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I went on FMLA with my work and I was short on funds to cover an OD on my account. I advised USAA of this FMLA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
i did not consent to or benefit from the following information Transunion, XXXX, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX  Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also 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 2020-10-05
Company: Experian Information Solutions Inc.
State: OH
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:
See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Beginning XXXX of XXXX, I began to send a round of letters disputing inquiries on my report to all three major credit bureaus because I noticed suspicious inquiries on my report. The replies from TransUnion were all the same and I have provided a copy of the most recent reply letter to me. They also failed to send me a copy of my personal credit report. 

After contacting all of the numbers for the creditors that were reporting and receiving disappointing responses on the matter of the inquiries, I then, called all three credit bureaus on XX/XX/XXXX at their fraud departments because I believed that there may have been someone attempting to use my information to obtain credit, so I initiated 1 ) A credit freeze on all three bureaus and 2 ) A security alert on all three bureaus. I removed the credit freezes and credit alerts since the other two bureaus recognized the validity of my disputes. 

TransUnion, however, was the only bureau that continued to report the incorrect data. They also failed to provide a copy either digitally or via US mail of my credit report and their results. I initiated a final letter which I have attached letting them know once again that they needed to resolve my request because the inquiries were clearly identified as fraudulent and must be corrected. 

In the end, they need to comply and delete these immediately. 

Thank you for your attention on the matter.

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 2023-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Servicing paid the wrong property taxes for my property in XXXX of XXXX, accoding to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX  they returned the check as they noted it was for the wrong parcel and for the wrong amount. Rushmore never took any action to contact myself or the township to ensure the property taxes were paid. 

On XX/XX/XXXX I was notified that the taxes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was late and that it needed to be paid prior to XX/XX/XXXX or the house would go into a tax sale. 

I contacted Rushmore on XX/XX/XXXX they stated they would have it rectified in 10 business days. 

I contacted Rushmore tax dept ( XXXX ) again on XX/XX/XXXX they stated that I needed to check back the next week and it still hadn't been completed. 

I called Rushmore again on XX/XX/XXXX after seeing that the taxes were still not paid on my onilne account. The rep " escalated it '' and stated that it would be handled by XX/XX/XXXX. 

I caled Rushmore for the fouth time today on XX/XX/XXXX and the rep again in the tax department stated it was unpaid and that the taxes were still not paid. 


At this point my property is most likely going to a tax sale, due to a complete lack of execution for a company that has three jobs, collect my money, pay my insurance and pay my taxes. Furthermore, this should have been rectified in XXXX of XXXX when the tax check they sent was returned to them. 

Their info is included below for your records. 

XXXX XXXX Rushmore Loan Management Services LLCXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Navient Solutions, LLC.
State: OH
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:
See previous complaint submitted to Navient. THIS IS NOT A DUPLICATE COMPLAINT. The company states " We have reviewed your account and confirmed that we reported your loans in the same manner from XX/XX/XXXX through XX/XX/XXXX, as deferred, based on your Economic Hardship Deferment request. '' This is FALSE. Again, as shown in screenshots of the attached document, Navient reported each month as " On Time '' then changed it, between XX/XX/XXXX and XX/XX/XXXX. Why? I am tired of the lies. The evidence is here. Do they think we are so stupid wouldn't notice? Either update the payment history or admit that they reported incorrect information to the credit bureaus 30 times ( 5 accounts x 6 months ). Please CFPB, do YOUR JOB and force Navient to acknowledge the evidence that shows the payment history was reported " On Time '' and then changed to " No Data ''. If you don't handle this properly, I will go to Ohio Attorney General 's office to contact your agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus miles.

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 2020-10-05
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PURCHASE A ITEM FROM A SELLER USING PAYPAL AND HAVE NOT RECEIVED IT HAVE FILE WITH PAYPAL TO GET MY MONEY BACK AND HAVE NO RESPONDS FROM THEM TO REFUND MY MONEY. YOU TRY TO CONTACT THEM ON THE PHONE AND GET TOLD TO GO TO THEIR WEBSITE TO DO THINGS AND WHEN YOU GO TOTHEIR WEBSITE TO RESPOND TO THE ACTIONS THEIR WEBSITE TELLS YOU THEIR IS A PROBLEM ON THEIR AND YOUR RESPONDS IS NOT TAKEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.

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 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Dear Service Representative : In early XXXX, we received an email that Bluebird decided to close our accounts. It specifically mentioned a {$500.00} refund from XXXX and that the balance in our account will be sent to us. We have not received any money, including the {$500.00} from XXXX. It has been more than two months. 

Bluebird suspended access to our account, locking us out of the record keeping. In addition, customer service rep XXXX on XXXX at XXXX CST said he could not access the records either, but he could see our account was suspended and to contact Bluebird via snail mail. There was no email or phone option. Hence this letter. 

Please send us {$500.00} each plus whatever residual was left in our account. You can verify the XXXX transaction directly with XXXX loss prevention at XXXX ( XXXX ) XXXX as properly processed on their end. In addition, Serve acknowledged receipt of the funds via email to us. 

As it stands, we believe Serve is in violation of banking laws and is illegally withholding {$500.00} each plus residual balance in our accounts. In addition, they are denying us access to our records to file legal claims. 

In addition, Bluebird believes we violated the terms of the Bluebird agreement. No such reason was ever given of what this was nor was XXXX able to provide anything. This seems be to a pretext to illegally withhold our funds.

Please send us two checks immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: RI
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:
I made charges to a repair shop on my citi bank card for {$8500.00} in total to repair 2 leaks on my XXXX. The repair shop returned the machine with the same 2 leaks and damaged other parts. I disputed the charges, sent emails, images, and other info to citi bank but they did not reverse the charge. Citibank always seems to take the side of the vendor.

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXCAPITAL ONE AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE AUTO FINXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: MS
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:
I have contacted XXXX, Equifax as well as XXXX  with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/XXXX. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of  my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college.
After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on E xperian 's part.

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 2016-04-14
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard 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 2020-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2015-05-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls began XXXX XXXX at XXXX. Then XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX, and today at XXXX & XXXX. I will be sending them a cease & desist letter like I did to XXXX XXXX, XXXX XXXX and XXXX XXXX. 

These are all robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day? On a weekend?

Company response to consumer: Closed with non-monetary relief