BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Bread Financial Holdings, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
my credit card was fraudulently charged {$1400.00} plus fees for an emergency cash advance I did not request nor authorised. I immediately notified the bank by e mail that this was fraud, as I was out of the country during that time. the bank refused to remove the charges as well as fees and late charges. I had an attorney contact them twice but still no resolution. now the bank has reported this to credit bureaus which has negative impact on my financial life.i have documentation of all communications with bank. 
the nank is comenity bank the issuer of XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ref : XXXX Disputed XXXX Account Proof of being with XXXX I have proof that I was with XXXX at the time that XXXX is claiming I owe them {$170.00}. Originally 'XXXX  XXXX  ' chased me for this money and then I received this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX <XXXX> XX/XX/XXXX, XXXX XXXX  XXXX, Thank you for contacting us. Our system is showing this account was closed in our offices XX/XX/XXXX. If you have any further questions, please contact the original creditor. 

Thank You, XXXX XXXX Client Services Clerk | XXXX XXXX , XXXX . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I confirmed with XXXX on the phone after this email that the debt was indeed cancelled and I need not worry any more about it. 

I have attached two documents proving that on XX/XX/XXXX, I XXXX XXXX was not with XXXX but was with another Carrier at  the disputed time. I was and am still with XXXX since XX/XX/XXXX. 

Why now is ANOTHER collection agency coming after the same amount? 
'Southwest Credit Systems ' - XXXX XXXX XXXX XXXX Texas is calling  me regularly again for the same amount and now at a time of financial crisis has reduced my credit rating, so that I am now ineligible for the Home Equity Loan that I need to keep my family 's head above water at this critical time! 

How is it possible to dispute a payment, win the dispute and then be approached a year later for the same cancelled debt? 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2015-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CO
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 have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting 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 2020-10-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Not sure what happened ... .went on a trip Thursday XXXX used my debit card all weekend even Saturday ... did not use it on Sunday ... woke up Monday to pay some bills and SunTrust closed all.my accounts without notice and then tells me I have to wait five days with no transactions and then wait another 10 to 15 days for them to investigate then cut me a check for the difference ... ..I have no money ... not working because of covid and they will not release any funds to me even from the accounts that have no pending transactions on it ... ..I have did everything ... .went to the branch spoke with everyone except the president and to no avail ... .I need help I can not survive without my money

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent letters to the credit bureaus and have not received investigations results. By law they are required to delete inaccurate information.

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 2020-03-23
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The Single Point of Contact Department for Caliber Home Loans , Inc., located at XXXX XXXX XXXX XXXX XXXX, Ok. I applied for a modification on my loan XX/XX/2020 due to illness ( XXXX XXXX ), they denied me due to my income. I am a XXXX XXXX XXXX with my daughter, XXXX XXXX, who is a XXXX XXXX XXXX with XXXX XXXX. We do XXXX XXXX XXXX XXXX, we have a XXXX  XXXX  on the XXXX   which we should net $ 80K plus upon XXXX. I did an appeal requesting an extension until I sell the XXXX  and will be able to catch up my mortgage, approximately $ 20K, I haven't made a payment in 5 months XXXX XXXX, back on XXXX which my daughter is my Care Taker and have not had time to dedicate to XXXX  XXXX  due to helping me. Now that I am settled and doing better she is back to work. 

I filled for a Modification XX/XX/2020 and was denied due to my Income. I filed an Appeal in XX/XX/2020, they denied me again sending me the same denial letter stating not enough income. I sent them a copy of the proposed buyer contract showing the figures at Settlement. When settle I will have more than enough to catch up my mortgage and keep it up, my daughter will be helping support me. I don't think the Single Point of Contact Department Team even read my supporting material I sent. It is obvious I will have enough to catch up my mortgage and keep it current, all I am asking for is a little time so I can go to Settlement. Thanks for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion makes it very difficult to determine how to attach a credit freeze without paying for their ridiculous monthly service. By comparison, the others have it as a clear prompt on their home page and it costs {$5.00}. 

I have tried numerous times to call and log in online and the call has been dropped 3 times. Online, I end up in a loop where it does not accept my password, nor let me change my password. 

I was able to get my free credit report from TransUnion, but I do n't want any of their other garbage products. I simply want to put a freeze on. I 'm frustrated that they make is so difficult. I have not been able to do 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
Consumer complaint received 2016-10-21
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
re : bait and switch I purchased a  XXXX   XXXX  phone in  XXXX   XXXX . This purchase was based on the  XXXX  sales literature stating 0 % interest with 24 months to pay :   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  A credit card account was assigned to me with Synchrony Bank. On  XXXX / XXXX / XXXX , I requested the following from Synchrony via their online email : " I received documentation for this new account today via mail. The documentation does not indicate the terms from the  XXXX   XXXX  which I understand to be two years interest free on my opening balance of $ $ $ $ ; payments monthly of approximately $ $ $  . I s this correct? '' Synchrony replied saying it would  take two billin g cycles to get an answer. I am still waiting for that answer!!     Instead of the  two year, 0 % deferred interest, my Synchrony acco unt was setup with a one year deferred interest period, expiring on   XX/XX/XXXX . Base d on this now 1-year period, I setup monthly automatic payments, collected by Synchrony, from my checking account so as to have the balance paid off within the one year deferred interest period. Payments are being paid on time.     As of my  XXXX  Synchrony statement, the deferred interest period expiry was sti ll  XX/XX/XXXX . As   of my recent  XXXX  statement, the deferred interest period is not even mentioned and the deferred interest of almost {$64.00} has been debited to the account. It now looks as if the deferred interest period was for 6-months. Is it that Synchrony saw that I was paying the balance down within the 1-year deferred interest period expir ing on  XX/XX/XXXX  and  decided to change it to 6-months to earn the interest ... a classic bait and switch??     I am fed up trying to get answers from Synchrony and  XXXX  also offers 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 monetary relief
Consumer complaint received 2022-04-08
Company: EdFinancial Services
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( a natural person ) was issued a false debt by EDFINANCIAL in the amounts of {$2400.00} and {$4400.00}. I contested with EDFINANCIAL asking to provide me the original instrument. EDFINANCIAL failed to provided me this instrument. I was sent a letter which I uploaded alongside this complaint. EDFINANCIAL has also been reporting late payments during these most stressful and uncertain times of XXXX between XXXX. These accusations have caused a negative effect on my credit worthiness and a great deal of stress. I am a consumer who only wants to ensure my financial matters are in fact valid but why would I pay an alleged debt? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My federal student loans were erroneously reported to the credit bureaus as being late when in fact they were always either in deferment because I was in school or they were part of an income-drive repayment plan in which my monthly payment is {$0.00} because my income is too low to pay back my loans at this time. These erroneous reports have caused my credit rating to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: DE
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:
Someone used my information, and fraudulently sign a forge signature and or my personal information was used to open an account. whoever opened this account refused payment and damage my good credit history. I did not open or authorize this account, and I request that it be closed 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My apartment Was destroyed by a fire I was then notified To vacate the premises and that my lease would be terminated I was given 15 days to evacuate property. I left. I never gave forwarding address because I was never informed of liability. The Fire Was deemed as accidental with no known cause of fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to Barclay 's, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. 

This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and Barclay 's that are at fault, though Barclay 's had the temerity to tell me that it was all XXXX 's fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXX bank. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.

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 2020-03-23
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I was enrolled in auto debit for both my loans with Sallie Mae. I setup payments to be withdrawn on the XXXX of every month. The first auto payment for both loans was set to be auto debited on XX/XX/2020 ; however it was not. I checked the website and it said that I was enrolled. 

After that, I was charged a {$20.00} fee and approximately {$55.00} in additional interest. Furthermore, my stepdad a cosigner, was notified as if I was delinquent. 

When I called to have the fees reversed, the first agent I spoke with disconnected me after being on hold for 30 mins. The second agent seemed incapable of understanding this issue. Furthermore, she would put me on hold for 10-15 minutes to investigate an issue that I could see just by logging in. 

I repeatedly asked if she could refund the additional interest and the {$20.00} fee and she had difficulties even locating the transactions ( should be at the top of her report as they are recent ). When I expressed my lack of confidence in her ability to resolve my issue, she stated that she would transfer me to another department. During the transfer she initiated, I was disconnected again. This after being on the phone for over an hour. 

The agent 's identification number is : XXXX And while I listed just one agent ( the last one I spoke with ), both the agents I spoke with on XX/XX/2020 were incompetent. I spent approximately 1.5 hours trying to get this resolved and nothing seems to have happened. I'm sure Sallie Mae has a record of the first agent. 

The agent continually stated that the payment wasn't processed due to insufficient funds ; however, I can not only prove that I had sufficient funds on XX/XX/2020, I can also prove that no overdraft fee was charged to my account on XX/XX/2020 which would've happened had the charge been processed and I did not have sufficient funds. The system did not attempt to process the transaction. 

I would like to have all additional interest and fees associated with Sallie Mae 's failure to process my auto debit refunded. Approximately {$72.00}. 


{$20.00} fee on XX/XX/2020 ~ {$12.00} additional interest on XX/XX/2020 ~ {$40.00} additional interest on XX/XX/2020 Best, XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Incorrect information on my XXXX ( XXXX and Trans Union ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as 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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
While applying for a modification on my XXXX home equity lines of credit, I was advised by the representative to not bother to pay my monthly payments because I could rest assured that I would be approved. This went on for over 2 months. I was ultimately denied the modification and reported to all XXXX credit bureaus as 2 months delinquent. I feel this record should be expunged. I have another outstanding complaint with the CFPB regarding the experience of the modification itself.

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