BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied in store for a 12 month interest free payment plan with Comenity Capital Bank. I was told first payment was due XXXX XXXX. I set up autopay using my XXXX  XXXX XXXX checking account with payment scheduled of XXXX XXXX First payment was {$130.00} which was 3 times minimum due. Every month I faithfully paid {$130.00} not realizing I was being charged {$40.00} late fees every month. I wasnt aware Comenity wouldnt accept electronic payment from XXXX so a check had to be mailed by XXXX. 12 payments were mailed 4-14 days prior to due date. Comenity posted 1-3 days after due date. Comenity had me set up with e statements that required me to physically sign using a computer, you cant access using phone. They do not email a statement. I received two emails reminding me the next due date but nothing informing me of a late fee. I accrued over {$400.00} in penalties. Comenity wouldnt give me any consideration. I paid remaining balance over phone with debit card and closed account. I just received letter from Comenity saying I still owe {$89.00} and {$40.00} late fees will continue to accrue until I pay yet more. No phone or email information to even discuss with them. Be warned if thinking about using for IKEA or XXXX purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2022 Annie Mac gave a false estimate on our monthly mortgage payment. The broker gave us an estimate on the high end of under XXXX dollars monthly with XXXX percent down. We put in an offer towards the house based on this confirmed number. We kept questioning his estimate, finally it was proven to be at least a XXXX dollar difference with XXXX percent difference down. Over a XXXX year mortgage, that would be XXXX dollars difference on the low end. In addition it cost us losing out on the seller paying rent to us. The broker said he would give XXXX dollar credit and a XXXX dollar credit. However we would also have to pay for mortgage points. We could only buy XXXX, and the final result would still be over XXXX dollars a month that would lock in the same day. We contacted Annie Mac and the broker 's father rather than the manger/the broker 's reached out that Friday. We asked for written contact rather than a phone call. The broker 's father is not even in the same office or state. There is more details, but I am not sure what I can disclose here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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 XXXX XXXX I asked for Equifax 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Equifax responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Equifax 's verified response report ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 after a reinvestigation. So, this clearly proves that Equifax did not verify these bankruptcies which is a violation of my FCRA rights. Secondly, Equifax asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: ARVEST BANK GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
At this time I would like to file a complaint about the improper handling of the discharge of my mortgage by Arvest Mortgage Company. 
Dispute with Arvest Central Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX XXXX Specifically I am seeking help with their failure to properly follow through and remedy the error they made regarding the discharge report to credit unions and their continued failure to remedy the problem within an appropriate time frame. 

On XX/XX/XXXX I was notified by email and telephone by my current loan officer XXXX XXXX ( XXXX ) XXXX, that his mortgage company was unable at this point to approve my financing for a new home due to Arvest Mortgage Company never publishing the discharge date of XX/XX/XXXX of property I co-owned at XXXX XXXX XXXX, XXXX, NH to the any of the three credit agencies. Currently the account status says more than 120 days past due and/or foreclosure. By law, the account status needs to be discharged with the date of XX/XX/XXXX. I believe Arvest Mortgage is in violation of federal and state law in this matter. 

I immediately called Arvest Mortgage ( XX/XX/XXXX ) and spoke with a customer service representative XXXX XXXX. She said the dispute needs to be sent to the credit dispute department and there is no phone number or extension she can give me to contact them. They only accept email disputes and mailed disputes. She also sent them an email to help start the process on XX/XX/XXXX. 

I received a confirmation email that the email had been received. 

I also followed up with a personal email from me on Wednesday, XX/XX/XXXX in the hopes that would help with the process. ( While they did send me the identical email from the one above confirming that it had been received it was not printed out by me in time and it expired. ) On XX/XX/XXXX I sent a follow up email and they sent me another email saying they received my request on XX/XX/XXXX. 

On XX/XX/XXXX I sent another follow up email reminding them as per their emails that I was supposed to get a mailed response within 30 days which I did not get. On Monday XX/XX/XXXX they sent me another email letting me know they received my email, similar in wording, that I should hear from them by mail, etc. 

I have yet to receive any mail from Arvest Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Target credit card is not crediting my account when I make a payment. Recently, on XX/XX/XXXX, I made a {$3000.00} payment. Target has yet to credit my account for this payment. I believe they are committing a huge fraud. If they do not credit my account, they then have the advantage of charging me more interest than I am suppose to really pay. I have never experienced this fraud in the last XXXX plus years of paying credit cards. 

Please, I need to put a stop to this. CFPB is the only Bureau which has the resources to stop this abuse. This is fraud at its finest. 

I know there are many people who are going through this same abuse and do not have where to look for help. 

Please help put a stop to the fraud Target card is committing. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
During the Covid pandemic I was late on a payment when my unemployment benefits ran out after being on them for 6 months. I was a period without benefits because I had exhausted my Connecticut benefits which was the state I was living in at the time. Due to me having moved to Connecticut recently I was not eligible for extended benefits and was told I had to file in my previous state of residence which was Arizona. That took time and I went without any benefits for 3-4 weeks. I was 30 days late on 1 payment because of this and I am asking that Comenity bank please remove this from my credit report. All other payments were made on time and as soon as I started receiving unemployment benefits. I am in the middle of having a house built and this one of the two bad things really holding my score down. My payment history is 100 % ( not sure how because of this late payment but it shows 100 % for XXXX and XXXX. So again I am asking that Comenity bank in goodwill due to the pandemic please remove this late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the 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 2023-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On or about XX/XX/XXXX  I received a check from Wells Fargo Bank for {$200.00} from the CFPB settlement fund. See attached document. I decided to contact Wells Fargo the get answers for the small amount. After spending almost half the day being transferred from department to department being told each time " wrong department '' I was told by the WF Remediation to call the number on the check and they hung up before I could ask further questions. The number on the check is a recording. 

Also, we paid almost {$5600.00} to WF trying to avoid losing our home. But were denied. Also attached are Court cases from the Commonwealth of Massachusetts and US District Court XXXX concerning the original mortgage. 

Please note that I no longer have legal counsel.

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 2023-03-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the XXXX and trans union on this matter. I sent several certified mail to bureaus, and calling them and still nothing.

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 2018-02-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I woke up morning of XX/XX/2018. Noticed in email format I have a pending transaction of {$1000.00} pending. It was all in spanish as well as all further contact through paypal until I switched it over in settings back to english. I called XXXX and bank explained situation. Bank put a freeze on all XXXX transactions and XXXX has an activity freeze in place. UPDATE : After speaking with my bank. ( US BANK ) on XX/XX/XXXX, I was reinsured that the XXXX transaction would not go through, it wasn't even on their radar. Monday morning, XXXX, XXXX, 2018 US bank allowed the transaction to go through and charged me insufficient fees. It is now showing my US Bank account as - {$1000.00} insufficient funds. I did everything I was supposed to do but it appears the financial institutions did nothing to guard me or help prevent this. I'm in the middle of sorting it all out, I just want it on record with you. I have a letter stating that US bank confirms a stop payment on XX/XX/18. When I spoke to the fraud department of US Bank XXXX told me ( Tues XXXX XXXX that even though I called first thing on XX/XX/XXXX they disny stop the payment because it takes 3 working days. I have a letter dating XX/XX/XXXX stating different. letter states it has be placed on stop payment. I do not want to pay any XXXX or Us Bank fees do to their incompitance and lack of urgency. Please, any help on this matter would be greatly appreciated. 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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

1

5 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 or inquiry report without 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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nevada XXXX. 

TO : XXXX XXXX. 
XXXX. 
EXPERIAN. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for Experian, XXXX AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2019-05-24
Company: HUNTINGTON NATIONAL BANK, THE
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports also i have already made report at XXXX 1. Huntington National XXXX XXXX, XXXX 2. Huntington Bank XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation