BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Army and Air Force Exchange Service
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:
Account remarks show the account under the wage-earner plan and the account was included in bankruptcy but no bankruptcy is on my consumer 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 2022-04-16
Company: Franklin Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone open an account using my identity as listed below '' Account name FRANKLIN COLLECTION SERVICES Account number XXXX Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX This is reported to XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NJ
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.

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 2018-01-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Old Navy Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Old Navy Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2016-02-19
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I am disputing the regular purchases balance of {$550.00} and quick cash balance of {$68.00} AND my promotional balance@3.99 % because the interest increased when the balance decreased! ( {$13.00} on {$4100.00} and {$14.00} on {$4000.00} ). Here 's why. On XXXX/XXXX/XXXX two calls were made by my mother XXXX XXXX, to Synchrony bank. First to rify /again that all payments over the minimum payment could/would be applied to regular/cash purchases. The second call requested, and XXXX verbally confirmed, that everything paid ( {$410.00} ) over {$66.00} ( {$340.00} ) could and would be applied to regular and pay off the cash purchases balance. 
It was n't. During a 2 hour phone call to XXXX on XXXX/XXXX/XXXX, who claimed to be a supervisor but was n't, XXXX was told {$100.00} ( Misc Adjustment ) was a charge along with a cash advance PayPal purchase of {$150.00} which was not true. XXXX argued the charges were legitimate and the {$260.00} cash payment listed with them did not XXXX out the charges and prevent correct allocation. XXXX was put on hold numerous times while XXXX contacted superiors and the accounting department. Finally XXXX said the {$100.00} was the amount credited to the regular/cash balances and {$150.00} needed to be reallocated/credited. No one understood the charges XXXX out the {$260.00} payment -- OR that a portion of the {$150.00} INCREASED the cash advance balance which INCREASED interest charges and decreased my promotional 3.99 % balance. Eventually XXXX asked XXXX what the regular/cash balances should total and she gave an estimate. XXXX said the account would be corrected in 3 to 5 days. 
On XXXX/XXXX/XXXX XXXX called and XXXX said she was a supervisor with the authority to act. After ten minutes XXXX insisted on speaking to a real supervisor. After a long wait XXXX answered and said she was a manager. XXXX insisted on speaking to me ( XXXX XXXX ), at my request, because of an identity theft incident years ago. I 've made multiple calls since then, and been assured at the conclusion of each call, that XXXX XXXX would be listed on my account PERMENANTELY to speak on my behalf -- my mother can verify my identity. XXXX spoke to my mother about the account without insisting on further verification, and told my mother the account would be corrected by the accounting department but was n't. This phone call was approximately 45 minutes. I contacted XXXX by phone as she requested but she did n't return my call as promised. If XXXX/Synchrony Bank needs more verification to correct mistakes ( because a thief would spent countless hours arguing on my behalf ) you 'll have to reach me by e-mail as I told XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: GOLDMAN SACHS BANK USA
State: CA
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:
This credit card was opened with an email address that was not verified or in use for over 10 years. 

Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. 

There was a very nominal amount charged to the account automatically. 
That I did not authorize or even know about. 

This is what caused a perfect credit score to be tarnished. 

I have tried many times to explain this to the creditor only to be ignored. 

They can as well as you can see that my score was perfect at the time this account was opened. 
Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. 

Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. 

Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: MN
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:
Hello, my name is XXXX XXXX XXXX, XXXX : XXXX Date of birth : XX/XX/XXXX my home address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

Equifax file # XXXX Dear Sir/Madam. I'd like Equifax to delete this account that is reporting to my credit report. I contacted Equifax, and they provided me a file number for the account that I'm contesting, and they told me that we notice this is not your account, and that we should be removing it within 48-72 hours. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, I eagerly anticipate resolving this issue as soon as feasible. 

XXXX XXXX reported XX/XX/XXXX {$5100.00} Reported XXXX XXXX limit {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX county Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, XXXX, AND TRANSUNION... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, ACCT NO. XXXX, XXXX  ACCT NO. XXXX AND XXXX ACCOUNT XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON

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 2021-04-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. I also addressed this issue previously and thought they had resolved this matter which they have not.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: NC
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 Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have 3 negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/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 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 2022-04-16
Company: EQUIFAX, INC.
State: NY
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 Convergent Account ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 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 2015-07-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
I was offered a Barclay credit card XXXX XXXX to make purchases at XXXX. This was a deferred interest credit card. I made timely payments however little if any of my payments was ever applied to the original balance. In XXXX XXXX and an interest charge of {$520.00} was applied to my account. When I inquired I found a tricky and deceptive practice and seek relief. In XXXX of XXXX I asked if the same credit card could be used for other purchases. Barclay responded yes however I was not told or informed at that time how the other charges would accrue or payments would be applied. Upon the charge of {$520.00}. in interest I attempted to find this information in my statement and could not. I did find on their website that in the last two months payments are applied to the minimum due and the rest to the original purchase deferred program. Those months ( 60 days ) are the only time that payments are applied to the original purchase. Candidly this seems tricky and I dispute the interest charges made. In addition, this issue has affected my credit rating which I have been working on very diligently for some years. I feel tricked and angry about this matter. I request remedy from your Agency. On searching the web I found other similar complaints about the Barclays XXXX deal and found that many people share my concerns and my frustrations. My goal is to have the {$520.00}. XXXX time interest payment removed so that I may pay off this credit card. Coincidentally in the last 60 days I did in fact make {$1000.00} in payments even though I was unaware of this rather deceptive matter. That would mean that in over 2 years and nearly {$5000.00} in payments little or none was applied to the original purchase. Clearly that is intentional to gain revenue for Barclays and for XXXX. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

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 2022-04-16
Company: LDF Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
So I took a loan out and have been making payments for XXXX dollars every payday. I have made XXXX payments. Today is XX/XX/XXXX my next payment is due in the XXXX when I get paid. Today I tried to pay off my loan and they said they are already processing the XXXX payment so I can not do that. The lady then states that I would of had to call by the XXXX. I'm like yes I did today I'm calling and she said she is still going to charge my XXXX then get me a payoff amount. Why do I need to make a payment before it's due before paying off? Also I was told on the phone I could call today the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation