BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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 Account # 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 explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or a list of inquiries : 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 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 to any 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 2023-08-04
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was accepted and supposedly issued a credit card on XX/XX/2023. The card was never sent. Supposedly on XX/XX/XXXX a second request was issued by the company to have the card sent. I was told their " back office '' doesn't accept calls from them so they had to send an email. They never received a response.I have called regularly since the beginning of XXXX speaking with numerous representatives and managers. With every call I am told they are sorry but there is a shortage and delay of cards and there is nothing else they can tell me. No one can tell me when I will receive this card. The last two managers I spoke with said it would be issued within the week. Obviously, those were lies to keep me from calling for awhile. I need this card to make a purchase in two weeks but can't because I have to physically receive the card and activate it first. It has been one month since this ordeal has begun and after more phone contact with them than I can count am still being told the same lie with no idea of when this card will be sent. I would greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank keeps adding a phone number which does not belong to me as the only option for 2fa verification. This has prevented me from accessing my account online as I can not login using any phone number that belongs to me. I have repeatedly contacted synchrony bank to ask for assistance with this issue and have been repeatedly told that the phone number is being updated and I should try again in 24 hours.

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 2023-08-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XX/XX/XXXX, I lost my job due to COVID-related issues. Spoke with my mortgage department about the subject. I was given a special forbearance until XX/XX/XXXX. I notified my mortgage company in XX/XX/XXXX that I had returned to work. I was told I was on a forbearance until XXXX. In XXXX, Carrington then reported all my back payments on my credit report. I submitted documents to Carrington for Loss Mitigation in XXXX for months, this was drug out by Carrington. This took until XXXX of XXXX to come up with a Loan Modification plan, The new loan payment was to be {$4100.00}, and my income is {$9200.00}. I understand that I'm behind on my loan payments, but having this type of interest rate is not a payment that should be done. I believe the mortgage has also add fees that should not have been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct 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 2022-07-29
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 Account # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-06-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I went to Bank of America to request a credit card to star building my credit here in USA. For that they asked me for {$300.00} dollars as a deposit to have my credit card, I made the deposit, and I got my card. I was promised to have a credit line increase to {$1000.00} and my {$300.00} back after been using the card and getting my credit score better, but this never happened. Last XXXX XXXX I made a payment to the card of {$150.00} dollars then, I checked my available balance to spend in the card, but the balance was not reflected in the card, so I called to the banck and they just told me that my card was cancelled. They never notified me, not called me, not emailed me, nothing. 
Now they are asking me to pay the balance in the card, but they shut give me my {$300.00} dollars back I think.

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We balance transferred from our XXXX credit card to a XXXX  interest promotional until XX/XX/XXXX. We have paid the transfer fee and the first month recieved an interest payment amount for the transfer. We contacted BofA and talked with XXXX XXXX on XX/XX/XXXX. We transferred almost {$13000.00} to take advantage of the advertisement. XXXX indicated this was probably an internal error in their system and sent in the request change. We would be notified in two days of the change. XX/XX/XXXX we talked with XXXX from XXXX and he indicated the request was sent in and on XX/XX/XXXX they deemed the request not valid because they indicate no ad was present at that time. They then asked with we wanted to move our money to another credit card to get benefit of promotional offer. We indicated we would not and would be looking to remove our money from that account. From BofA, they acknowledged we had been customers for 25 years.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: IL
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 an inquiry on my XXXX XXXX Experian and XXXX inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: IL
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 an inquiry on my XXXX XXXX XXXX and Equifax inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Allegiant Capital Recovery LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not a duplicate Allegiant response lack what I asked for. This is also a Final Notice Allegiant responded to complaint # XXXX stating no monetary relief is due which is false according to 15 U.S.C 1692. The Fair debt Collection Act prohibits debt collectors from using abusive and deceptive practice when collecting on an alleged debt which Allegiant treated as an option. As stated before IN COMPLAINT # XXXX, On XX/XX/2022 XXXX ( Allegiant employee ) threatened to damage my credit, harm my physical reputation and used obscene and propane language violating 15 U.S.C. 1692D- ( 1 ) ( 2 ) and! 5 U.S.C . E ( 8 ). The call was recorded as you guys state before beginning the conversation, as well as I had visitors at my home the time of the conversation that witnessed the call as well as the frustration and anxiety I endured during the call. I called to get information on an email I received from your business without my consent and was told to receive more information on the alleged debt then the one statement they had, I had to pay for them so they can pay for more information which is vey deceptive. XXXX tried to coerce me into paying the alleged debt which an violation not only under the FDCPA but also an violation under Regulation F of the CFPB and the FTC also prohibit coercing in means of collect an alleged debt. You guys also used deceptive and misleading practice by providing a false contract also a blank contract. XXXX XXXX stated the debt was still being collected on until my call to Allegiance when the manager sent it over after the call, not before before as XXXX XXXX stated after talking to the manager there calls are also recorded and can be obtained and used as discovery. Please be advised, rather you sent the debt back is not the moral of the story my federally protected rights was violated while the alleged debt was in your possession from your abusive and unfair practice. This is the final notice with me acting in good faith trying to dispute this controversy, if we cant come to an settlement agreement for you guys violating my federally protected rights as stated on the invoice, then I will pursue with legal matters as this situation has caused me including but not limited to anxiety, frustration, mental anguish which Im entitled to actual and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX I received a phone call from a clerk at the courthouse. She proceeded to tell me that I was being sued and there's a lien on my property and a officer would be at my home shortly to serve me with papers. I asked her what was this about. She said I should have received a letter in the mail informing me what was going on. I told her I didn't. She told me to call the number she provided to get more information because she was allowed to do so. I thought that this was a joke because I knew I didn't owe anything due to the fact I checked my credit report every single week and there was nothing negative on it. So I proceeded to tell my husband you need to call to find out what was going on because I thought it was about him since there wasn't anything on my credit report. He proceeded to call the number I gave him and he stated they were very rude and told him we can't talk to you we need to talk to your wife. I was at work and had to take some time out of my schedule to call and find out what was going on. Why was there a lien about to be put on my property, when I knew I didn't owe anything? The representative I spoke to proceeded to tell me this was regarding a breach of contract from Bank of America. I advised him I never received a letter or anything. He stated this was an account open back on XX/XX/2003 and I owed {$21000.00} but they are willing to settle for {$6700.00}. I advised him I do not have that amount of money but I was fearful he stated they are willing to settle for {$3700.00}. Because I was scared of losing my home. I paid that amount on another credit card ( which I'm still paying because I don't have that type of money ), but I couldn't see another way out. I feel deceptive practices and intimidation was used to get me to pay. This was a 20-year-old debt that should have been and was dropped off after 7 years. They never gave me a credit limit of {$21000.00} and they use fear tactics to get me to pay.

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 2022-12-06
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
False debt collection / credit agent scam / threat to have my personal information I received debt collection from this company ( " credit management LP '' XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that I own XXXX communication bills. I called XXXX  to check if I actually own any bills but apparently NO. I called this credit agency to ask for this debt collection information and they keep threating me to give them my identify information and I refused. After contact the XXXX  and they told me no debt was found under my name, I realized this credit agency is a scam. And there are many victims had the similar experience under this company 's XXXX review. Now this debt collection has showed on my credit report and affected my score. Please help to contact them, this is not OK to put false collection and keep threating me to give out my personal information. Need this collection to be removed.

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 2023-08-09
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got this loan around or before the pandemic started and I began paying the Loan but the pandemic crisis affected us, and despite the financial issues with the pandemic, I still paid the payments fast forward to the the XXXX  hurricane. We had issues due to having a natural disaster and the company refused to helped us! I called many times and they refused to provide help I could afford to get back on track. I tried for almost a year to get some affordable payment options to pay back the debt. A week ago they sent an email which indicated they determined us as having disaster relief assistance. They never gave us any help. Something tells me they got federal money to help consumers but didnt actually help them.

Company response to consumer: Closed with explanation