BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
From XX/XX/2021 thru my current Synchrony Bank for XXXX XXXX XXXX statement there have been charges to my card. the latest was for the XXXX charge for : CARD SECURITY XXXX XXXX XXXX XXXX {$74.00} I called the number and they said I signed up for it when the facts are it is automatically checked when you apply for the XXXX XXXX XXXX I demanded they refund the full amount. They said they would in the amount of {$290.00} but would not give me a confirmation of this. I told the representative I would be filing a claim for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive been battling Identity theft for almost 4 years now and counting, XXXX and various other accounts were opened in my name. On numerous occasions i 've tried for years now to remove XXXX this fraudulent account MY CREDIT REPORT, however to no avail. They 've refused to send any Documentation regarding these fraudulent accounts, in accordance to Fair Credit Reporting Act Section 609 theyre mandated by federal law to furnish upon request, they refuse in which violates the FCRA and my consumer rights. ( VIOLATION NUMBER # 1 Also to add more insult to injury these nordstrom customer service reps even told me they have no information on this account and the information is off, Nevertheless what truly baffles me is how this creditor can continuously rely back to the credit bureaus indicating " Verification '' of this debt being mine when they refuse to send me any correspondence after countless letters and phone calls. VIOLATION NUMBER # 2 Under section 611 ( 5 ) of the FCRA clearly indicates creditors are required to promptly delete all information that can not be verified immediately.!!!!!!!!!! VIOLATION NUMBER # 3 I  ALSO RECENTLY SENT LETTERS WITH FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT ON XXXX XXXX 2017 AND CALLED AND CALLED THEY CLAIM THEY HAVENT RECEIVED ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I reported to transunion, XXXX ( XXXX XXXX  ), XXXX, and CFPB on an error manifesting onto my transunion credit report. Today XX/XX/2022 I received a notice stating the case is closed and the response from " reported on '' company is available. Upon reading the response I disagree fully with the decision made on the Transunion behalf. This is unfair, there could not have been a thorough investigation completed. I submitted all the dogmatic evidence. This is unfair to suffer from a company not doing their due diligence when the law permits them to. And Im confused with how CFPB plays a roles in this complaint. I was under the comprehension that CFPB is an advocate for consumers experiencing issues with companies and upon reporting CFPB will resolve the issue. Instead It seems as thought CFPB serves as the platform to create the report instead of having a role in resolution. I would like the unauthorized inquiry removed from my Transunion report as this is a result in fraud. I will provide the evidence to support my therory and the report filed with XXXX. If the company ( transunion ) does not resolve this issue after this complaint I am proceeding with a civil lawsuit to protect my rights under FCRA. And to demonstrate my seriousness I have done a great deal of research, especially on how the FTC increased violations of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ) from {$3500.00} to {$3700.00}. I have undeniable evidence to prove my case and to show I exercised every right allowed under law including challenging the info reported to bureau. I have been patient even though this inquiry is hurting my score and preventing me from buying a home at the current moment. This is a inconvenience to have this reporting on my report and also against the law. The resolution i seek is to have the " hard Inquiry '' removed. If not like stated above I will pursue lawfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have no knowledge of the following accounts : XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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: Investigation took more than 30 days

Complaint:
I disputed a bankruptcy on my credit reports back in the begging of the year. OnXX/XX/XXXX I sent a letter to the Georgia Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to  the Credit Reporting Agencies ( XXXX, Transunion, and XXXX ). I received a letter back from the court onXX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

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 2022-05-03
Company: Movement Mortgage LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ovement Mortgage servicing received my correct final payoff value on XX/XX/XXXX. Still took out an unnecessary automated payment I had called to cancel on XX/XX/XXXX. I then reached out to them to confirm that they would return any overpayment and remaining escrow amount within the required 20 days. They confirmed and said it would be returned electronically, I then provided them with my updated address as with my mortgage paid off I was no longer at the home associated with the mortgage loan. 

On XX/XX/XXXX they issued the funds in the form of a check ( I would later learn ) addressed to my old address when I reached out to them on the XXXX they confirmed the error. I was told they would stop payment and issue a new check and send it to my correct address which they already had on file. I called today, XX/XX/XXXX, to check the status and was told that not only had a new check not been issued but it would not be and that they had an additional 30 days to release my funds. I was denied the opportunity to speak with anyone else and told a manager MAY choose to contact me sometime before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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:
XXXX credit report Equifax credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: SC
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:
After finding out about the Equifax breach of most American citizen I logged on the my Equifax account on XXXX/XXXX/XXXX and discovered there is an address listed on there as one of my prior address however I have never lived at XXXX XXXX SC address. I tried to have it corrected or deleted and I was sent to this website to make a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This bank is crazy and their verification process I have a fraud alert which their supposed to just call me and verify but they made me go to a branch to process 3 applications I submitted they refuse to Approved me give me a hard Time even after sending them the required documentation they requested Im denied credit my reflect card active cash and bilt XXXX are all on hold this is not fair it shouldnt take weeks for approval they also denied me my XXXX XXXX  application they are treating me horrible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: GREAT LAKES
State: IA
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: Problem with personal statement of dispute

Complaint:
THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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:
On XX/XX/XXXX, I spoke with XXXX at Experian in regards to the account listed for XXXX XXXX XXXX XXXX. I advised her I paid this loan off in XX/XX/XXXX XXXX and received my title in the mail. I asked why this account was showing as a charge off. She stated that is what was verified. On XX/XX/XXXX, I submitted an online dispute in regards to this information and asked that the chargeoff be verified as correct. On XX/XX/XXXX, I received an emailed response that this information was correct and the dispute was closed. On XX/XX/XXXX, I submitted a typed and signed letter via certified mail to  Experian asking that they send me any correspondence from XXXX XXXX that they used to verify what they are reporting. I also requested a return signature. Not only did they not sign for the letter they also did not provide me with the information I asked for. On XX/XX/XXXX, I received a letter from Experian saying they would not re-investigate this issue. Again, they have not provided me anything in writing showing me how they verified this information. On XX/XX/XXXX, I called Experian and spoke with XXXX in CS and XXXX in disputes. They stated there was no open dispute on my file and that the letter I sent was n't enough to warrant a dispute. My letter is asking for proof that they are reporting information correctly not to dispute that the info isnt mine. They have failed to do so on more than one occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover collections called me on XX/XX/XXXX. My account is not past due and is up to date and current. I questioned the specialist why I was receiving a phone call. He could not explain. He only stated that I was close to my credit line and they were just checking in with me. In XX/XX/XXXX Discover reduced my credit line and left about {$100.00} of my balance to use. I currently have almost {$200.00} of my credit line remaining at this time. I find it harassing that they are the ones who reduced my credit line and then call me months later stating they are calling because I 'm close to my credit line. It feels as though they reduced my credit line so that they can call me and make me feel like a bad customer. I 've done nothing wrong and I simply want answers as to why I was contacted for an important business matter when I have paid my debt on time monthly. They are the people who reduced my credit line and have now decided that I have a hardship. I do n't have a hardship. I 've spoken to a few supervisors only to be passed around and left with no answers as to why I was placed in a collections calling queue when my bill was not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: AES/PHEAA
State: FL
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:
PHEAA some how bought loans in my name in XXXX. They would never provide me information. It appears that duplicated several. I just started getting letters in the mail XXXX. I had no choice but to consolidate to save my credit. I still have no idea where they got this information and believe fraud was committed. After research I see many other have had the same issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX. This is related to Bank of America. 

I opened a credit card, name is XXXX XXXX XXXX XXXX. I paid {$95.00} annual statement credit. In signup conditions, they told me I need to spend {$3000.00} to get XXXX bonus points. I verified this information with more than 5 Bank of America agents on XXXX and XXXX, and I also showed them my purchases if they qualify, and all of them told me yes. Now, today, XX/XX/2022 Bank of America agents named XXXX, XXXX, XXXX and XXXX all 4 agents telling me my purchase for airline travel do not count for {$3000.00} while all 5 agents in XXXX and XXXX told me it counted. And now, Bank of America is refusing to give me promised XXXX points. 

Actions taken by me, I spent with my card for {$3000.00} in first 90 days Actions taken by Bank of America : they refused to give XXXX bonus points even I met conditions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX ( XXXX ) and closed onXX/XX/XXXX. Part of the closing costs included paying the interest that would accrue fromXX/XX/XXXX -XX/XX/XXXX, so as ofXX/XX/XXXX I technically owe {$0.00} in interest as it has been paid. <P/>I borrowed {$240000.00} at 4.25 % on a 30-year note with a {$1200.00} P & I payment ( excluding escrow as it does not impact this issue ). <P/>My first payment was/is dueXX/XX/XXXX and I paid it onXX/XX/XXXX. On XXXX 's website the payment shows the payment 'Applied Date ' and 'Effective Date ' asXX/XX/XXXX. So from XX/XX/XXXX toXX/XX/XXXX approximately {$460.00} of interest has accrued on the principle balance ( math on this calculation below ). 4.25 % ( rate ) / 365 ( days in year ) x 16 ( days of accrued interest ) x {$240000.00} ( principle ) = {$460.00} XXXX applied the payment showing that {$870.00} was applied to interest and the remaining portion of the payment went to principle. I called multiple times to have my payment applied correctly so that I paid the interest accrued to date of payment, but they are stating I must pay all of the interest for the month which is in violation of Fair Lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I applied for a loan in late XXXX XXXX. I was told over the phone that my rate would be 2.29 % and that I would get 0.5 % discount for being a XXXX XXXX client with Bank of America. I purchased a car. On XX/XX/XXXX, Bank of America sent me a letter saying that my rate was changed to 2.29 %. I called and requested a supervisor call me back. Nobody called me back. I have since left countless messages and been transferred endlessly. Bank of America charged me even more from XXXX XXXX XXXX  I would like Bank of America to provide my promised rate of 1.79 % APR.

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