BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bank of America credit card was unknowing to me opened in my name on XX/XX/2022 .I called Bank of America and they claimed they would put a lock on the card

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 2022-06-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Been a customer of Bank of America for 20 years and have had this card for about just as long with perfect payment history. This are tough times right now with covid19 impacts and for Bank of America to provide such an awful experience for what seems like mistake in the system, it is just awful. 

Interest was charged on a purchase from the day of transaction. Even though it states " We will not charge interest on purchases on the next statement if you pay the amount by the payment due date ''. I called Bank of America twice and was told purchase had to be paid off before the close of statement cycle since there was 0 % Balance Transfer on account.

To provide additional context there is only one purchase transaction in entire billing period. Purchase date XX/XX/XXXX, statement close date XX/XX/XXXX, payment due date XX/XX/XXXX. Payment was made XX/XX/XXXX to cover the purchase amount and additional payment was made on XX/XX/XXXX to cover more than min payment needed to cover balance transfer. Both payments are made well before XX/XX/XXXX due date. Interest charge in question is {$21.00} that the bank is not able to provide explanation as per the cfpb rules. It is not about the amount anymore but about the principle of it. Tons of bail out dollars from taxpayers and when roles are reversed with Covid-19 and main street needs help, still sucking every fee out of people.

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 2022-11-29
Company: WELLS FARGO & COMPANY
State: NC
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:
credit card accounts closed without my permission or consent.

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 2022-04-24
Company: EQUIFAX, 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:
In accordance with the fair credit reporting and act penncreditcorporatio account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 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 2022-06-27
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is hands down the worst mortgage company I have ever dealt with. I had not heard of them when they purchased my loan. They never contacted me, nor did my previous loan company. I continued to pay the original company for several months and then got collection notices from Flagstar for a loan I wasn't even aware of. In the transfer process, my homeowner 's insurance lapsed for non payment and Flagstar was a nightmare to deal with on that matter. I went without coverage for several months while they refused to apply my insurance payment from escrow.

They then claimed that they underestimated my escrow and my payment went up by 23 % month. I was never notified of this and was again turned over to collections. I called immediately and found that since my payment had changed, the former amount was considered a partial payment and that it had been applied to principle. I asked that they reapply that payment and I made up the difference immediately. They took my additional payment, applied it to principle and are now charging fees and attempting to collect a full month 's additional payment again.

Customer Service is incredibly poor trained and are rude and inexperienced.

I WILL ADVISE ANYONE NOT TO CHOOSE TO DO BUSINESS WITH THIS 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 2022-09-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
A cash advance payment sent to a colleague was mistaken for a dispute as it had no label and did not show recipient on statement. I canceled the dispute, but they charged the recipient a month later anyway a processing fee of {$15.00}. The email sent to the recipient contained my full name, account number, transaction fee, and transaction number. This was in direct violation of my privacy. Had the recipient been indeed acting fraudulently my personal info wouldve been in jeopardy. They are not addressing this issue, I continue to get transferred or disconnected.

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 2022-06-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is in reference to Case No. XXXX. 

Capital One is still not verifying my number and their excuse is " it takes time. '' Since I first changed my number 4 months ago and again on the XXXX of this month my credit has dropped XXXX points. I have been evicted, lost my car, almost lost my job, had two accounts go into collections, and I am 4 months behind on bills. Every time I call I have to use a system that constantly freezes to verify myself. Then they told me I could not close my account until my number is verified. I got so fed up that yesterday I called and had an account added to my checking account so I can transfer my funds to another bank. God only knows how long this will take putting me further behind and destroying my credit more. I am so fed up. I will NEVER do business with this corrupt and lazy bank ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,

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 2022-11-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've attempted to apply for a refinance with XXXX different loan officers with PennyMac. They are extremely vague in the information provided to you. Was told XXXX is too high which is fine ; however, when pressed to show a breakdown and/or explain they go silent. No transparency whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For well oveer a year, I have been going back and forth with Equifax about an alleged accoumt with XXXXXXXX XXXX that is being reported inaccurately. As far back as XX/XX/XXXX, this account has been updated with aXXXX  balance and even removed from my Equifax consumer report. XXXXXXXX XXXX  issued a 1099-C in XXXX. I have sent this to Equifax on multiple occasions, on for them to add it back to my consumer report with a balance. I was told by Equifax to reach out to XXXXXXXX XXXX  because they control what is reported. XXXX XXXX said its up to Equifax as to how the account is reported. On XX/XX/XXXX, an agent from Equifax told me, the account has been removed from my consumer report several times, but when XXXX XXXX reports, the account is re-added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
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:
This is in response to the Penfed Credit Union letter dated XX/XX/XXXX. The Merchant namely, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX filed a rebuttal claiming the services was rendered to my residence by XXXX XXXX XXXX XXXX and submitted a sales transaction slip for this purchase Order. The letter from the owner of the XXXX XXXX XXXX XXXX will prove that the services claimed by XXXX was NEVER made and the sales transaction slip aka Invoice used by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence is a fraud. 

On XX/XX/XXXX I requested for a repair on my sprinkler system. XXXX assigned me XXXX XXXX XXXX XXXX XXXX. See email. That same day I called the XXXX XXXX  & I was told by XXXX, the owner of the company XXXX XXXX XXXX XXXX XXXX he will not provide the service because they do not work with XXXX. 
On XX/XX/XXXX, I followed up with XXXX XXXX XXXX XXXX to provide me services XXXX was claiming. No service was provided. 

On XX/XX/XXXX, I requested a plumbing service and that same day XXXX  emailed me an assigned Plumbing company, namely XXXX XXXX XXXX XXXX to call. The XXXX XXXX told me they are not affiliated with XXXX therefore, they won't provide the service. See emails exchanged between myself and XXXX XXXX XXXX and assignment from XXXX. 

On XX/XX/XXXX I called XXXX to provide me with the services they claimed were rendered to me by XXXX XXXX XXXX XXXX and XXXX XXXX as was provided to Penfed. I was told by XXXX XXXX he will email me, to date no email from XXXX in regards to the services. 

On XX/XX/XXXX, XXXX Because of the fact XXXX has assigned false and misleading companies, deceiving me, compelled me to cancel my policy. I submitted my cancellation letter via email. See email. 

XXXX XXXX, XXXX Following up with XXXX XXXX email on the cancellation letter. This was before I received the letter from Penfed credit union with the sales transaction slip submitted by XXXX. To date, no response. 

XX/XX/XXXX, XXXX I called XXXX to settle this case. There was a long period of round about from one person to another repeating myself over and over until I finally talked to this person, he called himself XXXX. Just as I was starting to explain myself, these were his exact words on the other end ... " Your call is on hold, bye bye '' the phone died. One would ask, What do you make out of this situation? This has been the case often times I called XXXX. 

I am humbly asking Penfed credit union to reopen this case and return the {$2100.00} to my account for the services XXXX XXXX XXXX XXXX claiming was all lies and misleading. XXXX can find the contact of the owner of the XXXX XXXX XXXX XXXX on the letter to verify this case.

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 2022-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
USAA bank denied me of credit cards personal and car loans for over 8, years, never offered me anything My yearly salary shouldn't have been the problem in XXXX XXXX making more than XXXX XXXX per year, me personally think it's something to these denials, zip codes you live in, minorities neighborhood, I'm pretty sure, they giving loans to others with less, My the way they're not only banking institution have done this to me, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank to, all denied me credit over 40 years, only banking institution gave me credit was XXXX XXXX just after XXXX years, something wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Debt Recovery Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On approximately XXXX, I received an alert from XXXX that a change happened on my credit report. Its from Debt Solutions Recovery on behalf of XXXX XXXX. Funds were dispersed on XXXX for {$1800.00} I received a letter from DSR a few days later that says I owe in excess of {$3600.00} An email was received from DBS and I insisted bit wasn't me, but they said their client needs a police report. 
I filed a police report on XXXX, report # XXXX. 
I supplied the Detective the contract irroneiously done. Contract # XXXX. 
The Detectives investigation found the IP address was from Missouri, not Utah where I reside. 
The Detective suggested I contact the FBI because this is identity theft was a Federal offense since it's across State lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am opening a new complaint. This lenders response was not accurate and I would like this to be re-investigated. 

We are filing a complaint against the following : 1. Equity Prime Mortgage XXXX  - State License : XXXX - XXXX XXXX 2. XXXX XXXX - State License : XXXX - Email : XXXX - Cell : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Our date of application was XX/XX/XXXX Our Loan Number is XXXX XXXX  Phone Number is ( XXXX ) XXXX Our complaints are as follows : This was textbook PREDATOR LENDING. 

There was no Net Tangible Benefit to our refinance. Our principle and interest increased due to the loan balance being increased and rolled in closing costs. 
Our private mortgage insurance increased {$70.00} because XXXX took us from a XXXX  to an XXXX  loan. 
Our old MI was {$120.00} Vs. our new MI at {$190.00}. 
There was NO net tangible benefit. 
1. ) Our previous principle and interest payment was {$500.00} Vs. our new principle and interest payment of {$510.00} = principle and interest payment increased {$11.00} Previous MI = {$120.00}. New MI = {$190.00}. Causing our MI to increase {$70.00}!! 2. ) 2. ) This refinance did not pass the points and fees test. Their response was incorrect. 
Loan amount was {$300000.00}. Max charge should then have been no more than {$9000.00}. They charged : Points if XXXX = {$8700.00} Admin fee = {$340.00} Processing= {$500.00} Underwriting = {$1100.00} Deed Prep = {$70.00} Credit = {$120.00} Digital closing fee $ {$60.00} Totals = {$11000.00} They charged {$1900.00} over the 3 % threshold not including the cost of the appraisal!!!! 

3. ) Although they are indicating the appraisal was emailed on XX/XX/XXXX. We have no record of receiving it on our end. 

So, I want this lender to be held accountable for taking advantage of clients and making our overall financial situation worse. This is textbook PREDATOR LENDING. We were taken advantage of because of our financial situation. This refi put us in a worse financial position. We needed cash back to pay off and consolidate debt, but ended up coming to closing with cash and getting XXXX cash out! 
This refinance has been reviewed by many licensed mortgage brokers and everyone has replied the same exact way ; they wouldve never have submitted this loan if they truly were looking out for the clients best interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Williams & Fudge, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was told that i will be sued and also did not see anything in writing about it being put in collections keep getting threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

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 2022-06-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found this company on my credit report under adverse accounts, named as a creditor. I have never done business with this company. This company has never sent me a physical statement. It has never called me and until today I had no knowledge of this debt or any means to dispute it.

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