BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After closing on our first mortgage for a new home on XX/XX/XXXX, our mortgage was sold to another company without any of our input ( which I don't think is an acceptable practice ). It was sold to Mr. Cooper- previously Nationstar. This is NEVER the company I would have chosen for my mortgage, especially given the consumer protection atrocities documented after the housing crisis in XXXX. That being said I am already experiencing practices which I feel are meant to prey on consumers. The organization of this company means that you can not address account issues with any one person, you have to speak to a different person every time you call to discuss your account. These people are not knowledgeable or helpful and only regurgitate the information on statements or documents. You can not make any progress or address any problems. It's like beating your head against a brick wall. With particular details as to our experience- upon our mortgage being sold to them, they did not do any of their homework by reviewing our closing documents. On XX/XX/XXXX Mr. Cooper increased our escrow by {$140.00} per month. When we looked into the details, it was because of a disbursed insurance payment which had already been paid by the previous lender upon closing, disbursed taxes which had already been paid upon closing, and also an increase in 'cushion '. When we tried to speak to someone about this we went through the ringer. It took us two whole months of going in circles. Finally I had our previous lender contact them to sort it out. However we still owe a considerable amount due to this cushion - a total of {$720.00} for this year. I paid this difference in escrow in one lump sum on XX/XX/XXXX. The service lady told me that it would go back to their escrow review department and the new monthly payment would match our original monthly payment of {$3500.00}. Upon viewing the updated amount today, Mr. Cooper is STILL trying to charge us more money per month. Our updated payment amount is now {$3500.00}. That is {$280.00} a year difference. I will have to contact them again and I am sure experience the same incompetence from the service side. I believe this practice is happening so that they can take advantage of consumers and make money off of them. After reviewing complaints on the Better Business Bureau, it seems I am one of thousands of people who have this same complaint about escrow and tax/insurance disbursements. My description above does not even take into account a couple of other things that seem fishy to me about their customer service. This company should be investigated and consumers should have a say in who is able to buy their mortgage. I feel like I'm living in a giant scam of an economy right now and I have no power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SYNCHRONY FINANCIAL
State: FL
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:
A credit card company ( Synchrony Bank through XXXX XXXX XXXX XXXX has reversed every payment I made on my credit card and portrayed my account as over limit use by double the amount I was approved for. The credit card company has chosen to keep the funds ( although they rejected/reversed the payments on my statements ). Not only have they not refunded me for the transactions they rejected, but they have sent me to collections within 5 days of all of this activity. All in all, they have withheld the the initial XXXX XXXX dollars I paid, and have sent me to collection for XXXX XXXX dollars AND have reported negatively on my credit 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 2022-06-07
Company: DISCOVER BANK
State: NJ
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:
Thank you for taking the time to read this letter. My name is XXXX XXXX, my email address associated with my account is XXXX. I am writing because there was a Discover Card account opened fraudulently in my name on XX/XX/XXXX. 
I was a victim of identity theft during that time, and I have a police report that proves this and I have submitted the police report through the 3 credit bureaus many times. I have disputed this Discover account for years to no avail. I even had my wages garnished for this account once it charged off even though I repeatedly stated that this account did not belong to me. I have submitted my police report on numerous occasions and Discover Bank still will not remove this account from my credit report. 
On XX/XX/XXXX, Discover Bank finally mailed me a letter stating that they requested the removal of this tradeline from the 3 credit bureaus. I can provide this letter if needed. Unfortunately, XXXX still will not remove this account from my credit report. I even submitted the letter from Discover directly to XXXX and they stated that they still will not remove this tradeline from my credit report. 
On XX/XX/XXXX, I called Discover and asked them if they would please draft another letter in hopes that XXXX would accept the new letter and finally remove this fraudulent tradeline off my credit report once and for all. The customer service rep was not helpful and stated that I would have to re dispute the fraudulent account. This made no sense to me as I already disputed this account on many occasions and Discover Bank finally agreed to have this tradeline removed as of XX/XX/XXXX. 
At this point, I am very frustrated, and I do not know which way to turn. 
I am a single mother, and I am in the process of buying my 1st home for myself and my daughter. Having this charged off account on my credit profile is hindering my chances at home ownership. I am asking for your help with requesting the removal of this fraudulent account from my XXXX credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During Covid-19 in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX of 2020 I was marked missed payment for {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It should have been easy! Bank of America emailed me about a fishy-looking check for {$14000.00} over XXXX. I called them when I logged in the morning after XXXX and told them I did not write the check and the check # was one of a series I had stopped, the stop fee waiver appearing on my statement. I had never heard of the payee. 
____ Despite constant, increasingly frantic attempts by secure email, by fax, and by phone, it is just about a month now, and I have been unable to get the funds restored, or even get confirmation that they are working on the matter! Each time I call I get a different person who doesnt know what the others have told me, or about what was sent or faxed in. None of my emails or faxes were answered. Im at my wits end. Ive been a customer of the bank for 36 years. I shouldnt have to wait a month to get my funds restored on a check that is both fraudulent and stopped. The bank pays almost 0 % interest ; the only thing they are supposed to do is keep my money safe!. XXXX XXXX XXXX suggested that I contact you. I have enclosed the letters, and secure email and fax confirmation receipts, and willing to provide any other information that you might require. Please help me. 

____Sincerely, 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 monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.

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 2023-01-26
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. Account Number : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-28
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2022 Recieved a Text from : Phone number XXXX Claiming to be United Collection Bureau , Inc. asking me to call XXXX or visit ucbinc.com do not have any outstanding debt. This is a phishing scam. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: MO
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:
Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XX/XX/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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attempted to pay via the payment portal websites for each of these store cards : XXXX, Express, XXXX, Torrid, XXXX, & Victorias Secret ; payment website states only same day payments are accepted but will not allow me to login to pay. I can not access my online bill, attempts to call the customer service line to pay over the phone are unsuccessful as the line disconnects shortly after stating that they are undergoing system updates. Comenity Bank has been unresponsive through all social media avenues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment for my XXXX XXXX which is issued through Comenity Bank was due yesterday XX/XX/22. When I opened the app to make a payment, it stated that scheduled maintenance is taking longer than expected and that my information was still secured. I attempted to make a payment without signing in with username and password and still was unable to make payment. I've contacted them and it says to call back at a later time. I've attempted to make my payment again and still recieved the same error message. I've gone to their XXXX page for updates and nothing. I don't want to incur late fees or have my credit score lowered because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: DISCOVER BANK
State: NY
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:
Discover card has not given a good reason why they allowed XXXX XXXX to steal money from my account. Also I have proven that the work from the merchant was incomplete and not done correctly and the quality of work was inferior. The balance on the Discover card for the amount in dispute will not be paid to Discover card. Discover need to follow the rules of Regulation E. Regulation E being the consumer protection rules from the Federal Reserve Bank. Discover card is not above the law and needs to comply with this law. I have sent all the proof and pictures and documents needed to correct this issue, but Discover Card does not want to comply. 

Again the credit card balance of the disputed amount will not be paid by me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about my discover savings account. I suddenly got an email from discover saying a suspicious account activity is reported on my account and so account is locked and said to call a number to unlock the account. 

I have been trying to call discover from Thursday XXXX Since then, Everyday the call goes on for XXXX hrs and gets disconnected after XXXX hrs. I have been spending nearly XXXX hrs a day on call and not even able to talk to an agent and the agents on chat and on discover social media accounts couldnt help and they say to talk to the same number. 
The auto recording says estimated waiting time XXXX minutes but the wait goes near to XXXX hrs and gets disconnected. 

I want discoverbank to have a good customer service to be fast to help people from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are 4 inquiries that I did not authorized that should be removed right away. There also are 2 previous addresses listed that are not factual and need to be deleted now

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 2022-06-28
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Acceptance numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. Credit Acceptance told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. Credit Acceptance is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit 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 2022-06-28
Company: Maximus Education, LLC dba Aidvantage
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 status incorrect

Complaint:
I have been in XXXX  getting my XXXX  for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
on XX/XX/2022 I ordered XXXX XXXXXXXX XXXX XXXX through my Chase reward program because Chase was offering 25 % more points if you redeem an XXXX product. On XX/XX/2022 my ordered was canceled and the promotion for 25 % more points was over. I requested several times for an explanation as to why it was canceled, no one can give me a proper answer. I reached out over 10 times to Chase to which they basically said, we can not do anything for you. They asked me to reorder and request after the product has been received and " maybe '' they can reimburse me.

Company response to consumer: Closed with explanation