BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
XX/XX/2019 a purchase was made with XXXX. I called told them my travel location/dates. They negotiated a price with XXXX. The representative of XXXX said ok we have everything set took my card information and said well email you confirmation. XX/XX/XXXX, was the day my flight was set. XXXX refuses to honor my ticket and told me at that time that I had a restricted ticket. This was never explained at the time of purchase. A service was never rendered and I paid XXXX dollars for this flight. I called Bank of America to dispute the charge, and they denied it stating the merchant said I signed a contract and agreed to terms which is all false as restricted terms or conditions were never stated.

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 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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:
Accordance with Fair Credit Reporting Act 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 604 A Section 2.

It also states a Consumer Reporting agency can not furnish 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 2022-06-19
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 Acct # 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 2016-04-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home on XXXX of XXXX. As of XXXX/XXXX/XXXX, Freedom mortgage had acquired the loan. Shortly there after, I noticed the mortgage was not reporting to any of my credit reports. I called in and they told me they had to wait 60 days per law and it would report when that date was up. On XXXX, I again checked my credit reports and noticed the mortgage was still not reporting. I once again called freedom mortgage and they said they do not report until the XXXX of the month. My mortgage would be reported on XXXX XXXX. On XXXX XXXX, I again checked my credit reports and noticed the mortgage was still not showing. I again call and they told me it had been reported but must not be showing yet. I waiting a few weeks and checked again. Still no mortgage reporting. I once again called Freedom mortgage. They now tell me it will not reporting until XXXX XXXX. I am getting the runaround and this needs to stop

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-01-15
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried contacting this Debt Recovery Solutions company about a debt that I allegedly owe. I did not get anything in the mail regarding this debt nor was I given the opportunity to dispute it. I obtained their information from my credit report and I called them in early XX/XX/2019 to ask them to validate the debt and the person on the phone told me " You know this is you. We know that you owe this debt. '' I gave the person on the phone ( who refused to give me her full name or rep ID ) my address in order for them to send me documentation that validates the debt with a contract, dates, signature, and specific ownership of the debt. I never received anything yet the collection is still on my credit report. As of XX/XX/2019, I have noticed that the same company has added another collection, which I also have not received anything in the mail in order to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NV
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 ACCEPT ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX  ACCOUNT # : XXXX US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SHARE ) ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) ACCOUNT # : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX XXXX XXXX SVCS ( Original 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 DEPTEDXXXX  ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-06-19
Company: EQUIFAX, INC.
State: VA
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 Act XXXX  XXXX XXXX  Acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a certified letter to American Express Fraud or Billing Inquiries Department, advising them that there was an account that was opened fraudulently in my name at their institution. I also asked in that SAME letter, to be absolved of the charges made on the account and also to remove the credit inquiry that was made as well. 

I also sent a separate letter with the request tp remove the inquiry from my credit report ( s ) XX/XX/XXXX I received a response from American Express stating that they had done their investigation and determined that I in fact, would be absolved from this account. However, I needed to allow 90days for the reporting to be corrected. Great! I checked my reports and the reporting for American Express was removed, however the credit inquiry still remained. 

I resent American Express, the same exact letter from XX/XX/XXXX on XX/XX/XXXX letting them know that this was my SECOND request asking them to remove this credit inquiry. 

I, then in return, received a letter from American Express dated XX/XX/XXXX stating that they needed my social security number, because they could not " locate the application with the account number or the information you provided to us ''. 

This is the ORIGINAL CREDITOR who reported this information and the unauthorized credit inquiry and all of the past subsequent correspondence with American Express, they did not need my social security information, to remove and absolve the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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: Account information incorrect

Complaint:
Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX XXXX I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked

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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received my credit report and noticed someone used my personal information to apply for numerous things

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore LM is not offering mortgage relief per the CARES ACT. They are still stuck on the general terms before the pandemic, roughly 3 months, balloon payment or payment spreading to get back in their good graces. Otherwise, foreclosure proceedings. 

I have talked and chatted with 4-5 different Rushmore LM representatives and they claim that their management has not given any new guidance. I have filed complaints with the CA Attorney General and the TX Attorney General. 

Rushmore LM needs to stop scamming us. They are not following the law. I would like to have to ability to change my mortgage service company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I opened a 72 month loan of {$19000.00} through Capital One Auto Finance. I was quoted an interest rate through their auto navigator of 12.17 % to 19.31 % APR. At the end the sale, the dealership informed me that my interest rate was going to be 19.31 %, which was very high compared to previous car loans ( 12 % on the last loan I had through CapitalOne and 8 % on the previous on I opened in XXXX from a credit union ). Going from an 8 % interest rate to 19.31 % is a pretty big jump. Not only has this high interest rate, which I feel could be classified as a predatory lending practice, made it much harder for me to keep on track on payments, it has made refinancing impossible. As I ca n't refinance I ca n't lower my payments to get out of the high interest rate. Earlier last month I had attempted to refinance the loan with Northwest XXXX and XXXX. Both denied my loan primarily because the value of the auto exceeded the current amount due on the loan. XXXX specifically told me on the phone that the car was valued in the mid {$9000.00}. This is pretty upsetting because the car lost most of its value in the 1.5 years I have had the car - a car I bought new. Additionally, I feel that the dealer ( XXXX ) and Capital One Auto Finance decided to charge a high APR for the sole purpose of profit. As of today, compared to what I have paid in the principal, I have paid twice as much in interest ( {$4900.00} ). I have paid {$2400.00} so far towards the principal. This has put me in a very difficult situation, where I am attempting to repair my credit score after a divorce. Rolling the loan into a new car loan would only worsen this cycle. Overall, this issue has made it hard to manager the auto loan, which has resulted in a XXXX late fees in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I 'm writing about issues im having with private loans serviced by AES. I have a college degree but unfortunately do to changes in qualifications for careers using my degree ( making it more specific ) I unable to find legitimate work in my field without further schooling, which I ca n't afford. Due to this, I 've been at lower paying jobs that barely account for my living expenses let a lone student loan payments, and more currently I find myself XXXX due to a job falling through. I contacted AES about options to bring me current and lowering my payments to something I can afford but they refused saying I had already used all my options. It makes me so mad, I am willing to pay what I can every month but it does n't matter to them and now XXXX of the XXXX loans of mine they service ( the XXXX cheapest I pay religiously on auto debit ) are slowly creeping towards default and I ca n't do anything about it unless I put my family 's and my own well being at risk. And they do n't care, Unwilling to consider people 's situations and work with them, and fail to offer any real guidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX BBVA sent me a threatening letter asking for my attorney information and that they were ceasing communication with me. When I called to ask why this letter was sent and why they needed my attorney they could not find time to answer that question. The previous month and previous CFBP complaints they acknowledged and credited back late fees they erroneously had charged me based on their customer service. Since then I have received multiple letters with no additional insight and most recently they decided to lower my credit limit and/or close the card based on unclear/loose reasoning that appears to be targeting me since I questioned their process and filed with you, the CFBP. Today, XX/XX/2020 they received my payment for XX/XX/XXXX that did have a due date of XX/XX/2020, without any grace period to receive the payment they charged {$39.00} late fee on XX/XX/2020. Again, they seem to be quick to charge and quick to provide poor service are red line target the clients they want to have on their books.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-06-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXXXXXX XXXX XXXX XXXX account # - 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 non-monetary relief
Consumer complaint received 2022-06-19
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 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation