BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 rewards from credit card

Complaint:
I have XXXX reward points to use for my Bank of America card. They are changing the terms of the card to cash back only. I have repeatedly tried to call this company to ask how I use the points ( money ) I have already earned and have been on hold for Long periods of time and no way to speak with a live person. Can not find a way to answer this question from their website. I need help getting the point rewards I already earned before they changed the terms. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been unable to use my card since XX/XX/2021 I was notified by credit card company that my card would be inactive until minimum payment was paid was paid I paid the minimum payment plus an extra Few payments which bought my account down by less 50 % of my credit limit and I still haven't been able to use my card I am incurring late payments due to he rejection of my ACH payments that come directly out of that account and and despite my numerous attempts to contact and Rectify the situation with the credit card company My card still remains an active as of today which is roughly almost a month this is unacceptable and I'll be home in a few weeks account for a few years no consideration consideration or communication is being

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Synovus Bank Mortgage I have a 30 yr fixed mortgage. I have an escrow that pays only for property tax. My issue is the escrow account transparency and audit request. Last year my mortgage payment was {$2100.00}. Beginning of the year it is {$3600.00}. Past month was {$3200.00}. Now this upcoming is {$3700.00}. My principal is {$650.00}. Interest is {$1200.00} and my property tax this year ( $ XXXX = $ XXXX ). So my monthly payment should be {$2300.00}. But its not. My property tax year 2021 was {$7000.00}. My escrow account to date paid is {$15000.00}. They even request a {$1500.00} underage payment to my escrow that I paid. I have communicated to the lead for Synovus mortgage over past two weeks and no resolution. I have tried emailing the CEO XXXX XXXX today for response. Please help me resolve the escrow mess. Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-06-06
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was sick and missed a payment. It happens. Since the late fee is assesed I'm not in a rush to pay it because I work in finance and I know how reporting works. Comenity bank has called 7 times today in 6 hours. They started at XXXX AM MST where I live. SEVEN. I told them to not call I would pay the bill and balance due with late fee on the next due date. And one of the calls was from a restricted number, I have a family member in the hospital so I answered it because that's how their calls show up, nope it was them, and I told them not to call I would pay ... still calling ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX -XXXX XXXXXXXX -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 an account without my written instructions.

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:
n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX XXXX # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Avant Holding Company, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2023 Avant LLC, formally Avant Credit lll LLC  ( XXXX XXXXXXXX ), was provided a debt security as collateral for an extension of credit. Avant failed to uphold it's part and denied my extension of credit but kept my debt security and plans on transferring it to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ). This will be securities fraud since they do not have my authorization to transfer my security without upholding there part of the contract. Avant LLC has failed to disclose the true nature of our transaction and refuses to respond. This is a violation of the First and Second Tier of the Federal Reserve Act Section 29 Civil Money Penalties. Avant LLC has breach their fiduciary duty as they will receive funds upon the securitization of my commercial paper debt security. This comes with a civil penalty of {$25000.00} per day starting XX/XX/2023. It has been 5 business days that Avant LLC has had me security which carries a civil penalty of {$5000.00} per day for a total of {$25000.00} owed so far. If non compliance continues into tire XXXX which carries a penalty of {>= $1,000,000} or 1 % of the total companies net worth. on XX/XX/2023 a formal complaint will be placed with FINRA and the SEC for the willful non compliance to the Securities Exchange Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal Credit Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 business days. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 business days ( XX/XX/2023 ). On XX/XX/2023, I visited the NFCU branch in XXXX XXXX, TX to inquire about my deposit and was told by a nice XXXX  man that the deposit was placed on a security hold. He indicated that if customers ask about their deposits, tellers are directed to tell customers that they have no control over the hold and that funds will be able after 6 business days from the hold. Which he did and he informed me that the deposit would not be available until next XXXX. I find this practice highly deceptive as had the teller warned me that I might not have access to my money for more than a week, I would have deposited my money into one of my other bank or credit union accounts. NFCU really placed my family in a serious bind by holding my money. I had obligations to attend to and could not due to this. I should have been told this was a possibility and given the opportunity to decide if I wanted to continue with the deposit or not. At a minimum, once the security hold was placed, then at that point I should have been afforded a courtesy text, call, email to let me know that funds availability has changed due to the hold. As it is, there was no regard for me or my family financial situation or and concern for what critical circumstances I may have required my funds for. This is terribly inconvenient, inconsiderate and insensitive to the customer. I will be moving all of my money to another credit union or bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I would like for the folling inquiries that I haven't given authorization or authorization to pull my crefit file it is a direct violation of fcra to report incorrect or unauthorized inquiries on my credit file.pleasehave them removed immediately See Below Transuinion is reporting XXXX -XXXX  XXXX XXXX XXXX XXXX is reporting XXXX These inquiries need to be removed and are a direct violation and predators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection with the major credit agencies, This company removed the collection and reported it again under another collection agency with a very similar name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND XXXX # XXXX, has violated my rights. 

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

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

Company 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 2022-09-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission. 

CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act. 

On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX of XXXX a debt in my name was sold to a company called XXXX XXXX XXXX. I received a few calls from this company but didn't answer anything from them. Fast forward to XXXX and on XX/XX/XXXX of XXXX I receive a letter in the mail from Bursey & Associates stating they are attempting to garnish my wages. I requested a motion with my local court because they are attempting to collect on a debt that is 11 months past the Statue of Limitations in the State of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I started school at XXXX  XXXX University, I filled out my FASFA and was given the federal student loan. My total is {$23000.00}. Fast forward to now with student loans being deferred for all students I receive a bill from Nelnet stating that my payment is due. When I called this morning they told me that yes its a student loan but because of the type of loan I am not eligible for the relief for payment that everyone else is given. I asked what the difference was and was told that its a loan that is owned by a different part of Nelnet so I have to pay my loan. I was not aware that there was a difference in this loan and I dont feel like it fair that I was not told of the difference and would not be allowed to get the deferment that the world is getting for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my school loans XXXX of balance {$9700.00}. 

I called requesting a refund with the new laws on XX/XX/2022. Since the I have called on XX/XX/2022 and XX/XX/2022 asking for a note confirming my request and getting an update on when Ill get my refund to be able to qualify for the federal student loan forgiveness. 

This is unacceptable to hold my funds for this long as a refund unless they are going to pay interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Social Finance, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a sofi credit card open belong with my information but I never opened it. It display the address in XXXX when I'm living in XXXX  and I filed police report, contact with Sofi and also filed credit dispute but not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identity theift now im not able to get credit cards or even a cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
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

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 2020-01-18
Company: Experian Information Solutions Inc.
State: TX
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 disputed a Bankruptcy on my Experian Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way Experian verified this 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 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good morning! 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # XXXX, has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a 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