BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony Bank closed EVERY single account i had with them 10 - 12 accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX SS # XXXX XXXX XXXX XXXX XX/XX/1967 I tried to apply for new cards with synchrony but they automatic decline. I have received 3 different reasons why they closed my accounts. I am allowed no cards with Synchrony. This CLEARLY CREDIT DISCRIMINATION AND AGAINST THE LAW. this is a violation of FCRA. Synchrony refuses to answer the question why.

***************PLEASE READ CLOSELY ************************The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

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 2017-08-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately

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 2022-08-30
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been paying on my mortgage on a bi-weekly ( XXXX payments a year ) for some time now. My total mortgage payment is {$2200.00} which is {$1100.00} every other week. On the XX/XX/XXXX, I changed my payment day of the week from XXXX to XXXX on Freedom Mortgages website and received confirmation that my next payment of {$1100.00} would be drafted XX/XX/XXXX. I then woke up to emails from XXXX XXXX on XX/XX/XXXX saying my account was overdrawn due to the payment from Freedom Mortgage being made. I tried to email and call to resolve this with Freedom Mortgage but was told by XXXX that this was an error on the banks side and I needed to deal with them. I called XXXX XXXX and they said that because it was an XXXX payment and not a bill pay, it falls on the shoulders of Freedom Mortgage. I finally talked with someone who knew what was happening, and they stated they need XXXX full business days to make changes to the auto draft which is acceptable, but not disclosed any where on the website

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I filed a complaint and they ignore me and they think they are above the law. XXXX XXXX Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : XXXX. The statute gives the consumer the right to dispute the claims XXXX. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you TransUion responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you TransUion responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MD
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:
XXXXXXXX XXXX XXXX  XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card
Issue: Other fee

Complaint:
After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: BB&T CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the 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 2019-11-27
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1. XXXX, XXXXMultiple attempts to pay off XXXX Credit Card ( XXXX via XXXX ). Confirmed complete via call center operators.. Account # : XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX passed away. 
3. XX/XX/XXXX, XXXXFinal payment sent for oustanding payment installments of {$60.00} 4. XX/XX/XXXX, XXXX cashed check acknowledging final payments sagainst account 5. XXXX, XXXXResurgent " bought '' debt from XXXX and began harrassing phone calls and letters trying to collect ONLY accumulated Interest and late fees of {$290.00}. There are NO outstanding products with payments due since XXXX. Again, Resurgent is claiming we owe on interest and late fees only through XXXXXXXX XXXX 

This is harrassment to an already grieving family and we request help to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Trying to refinance my home loan with Loan Depot. Original contractor is trying to over bill me for services not completed. Loan Depot said there is nothing they can do and my home mortgage being able to re-finance can not be completed until contractor signs off on work payment. Its been since XX/XX/2018 no work has been done on my property and contractor left on his own. Did not finish job. I am being charged 5.5 % interest and could have re-financed long time ago at 3.5 % saving me almost 7200.00 per year in interest. Bank refuses to let me re-finance my property as in the contract. How long can the contractor hold my house hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Equifax responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you Equifax responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. On XX/XX/2022 I transferred money from my TD checking account ( using XXXX ) to my XXXX XXXX checking account in the sum of XXXX XXXX dollars. The money was never received by XXXX XXXX XXXX XXXX. Following many trips to TD bank to try to rectify the problem, TD has refused to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

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 2022-08-30
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is XXXX according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is XXXX? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was on a repaying option until XXXX 2017. I got a letter asking to call in to get back on it. I did before my XX/XX/XXXX bill was due. I gave them a lot of financial information and they said I no longer qualify. I am not sure why I do n't since I get paid the same and I have the same bills as before. On my payment plan, I paid {$300.00}, the next month off of it they wanted {$330.00}. I paid it so I would n't be late but I do live paycheck to paycheck and if something big was going to happen like if my car stopped working, I would have no money to fix it and then I could n't go to work to have money to pay any bills. Now, they are saying that my bill is {$400.00}. I can not do that. {$300.00} was difficult for me. They have never given me any options or told me what they can do to help. I also do not understand why my payment is going up every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: AMERICAN EXPRESS COMPANY
State: AL
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 have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.

Company response to consumer: Closed with explanation