BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity capital bank. XXXX credit iopen this card for 12 months interest free credit at the end of the 12 months if you still had a balance they were charged all the interest to your account My accrued interest as on my statement every single month was to hit on XX/XX/XXXX and I need to make payment in full by then on the week prior to XX/XX/XXXX I called the one 800 number numerous times to try to make a telephone online payment they wouldnt except my online payment because of the amount it was over {$7000.00} they said I needed to speak to a representative I called three times I was on hold for 30 minutes 45 minutes and almost 2 hours and no representative ever came on I couldnt make it to the automated system because it was too high of a balance so I was forced on the day before XX/XX/XXXX to go online to their website and make the payment through the website when I got to the website there was a radio button that said pay this balance in full I click the radio button on XX/XX/XXXX the day before the interest was to be put on my account and they took the money out of my checking account no problem well it turns out that my minimum payment was due on XXXX XXXX and I never made the minimum payment so they waited until after the XXXX to put a {$25.00} late fee so even though my balance was XXXX on the XXXX like it was supposed to be not to get charged a accrued interest I owe them a {$25.00} late fee which they hit me for five or six days after I didnt make the minimum payment and after my belt is already XXXX and then they checked on the {$4000.00} in accrued interest I dont believe I owe them any of this money had their 800 number picked up the phone and they can check Buy my phone number that I called and I was on hold and they know that their automated system wont take a payment for that amount of money and that I try to do it and they will see that I signed up for the webbing in the day before the payment was due so that I could get this payment in because there was no other way for me to pay it I hit their radio button that said pay this balance in full and I did and then they still hit me with a {$25.00} late fee six days after and then charge me {$4000.00} in interest I dont think this is the way it supposed to work most credit card company said you with the late fee the day after you dont pay it and I think they did it on purpose their lack of customer service the lack of technology is what caused this problem and I would like the entire accrued interest for all the charges reversed I try to fight it with them and they gave me a XXXX {$50.00} credit so I would like all the rest reversed and it take it off my credit report ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: MD
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:
I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on XXXX, XXXX, and Experian for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
For the past month I've been calling Fed loan servicing about student loans that was FRAUDULENTLY opened in my name I've sent them all required documents and all they have been giving me is a run around and not taking my situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: DE
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:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FRC/TBOM Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: KS
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:
My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX Bank XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the XXXXhree bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2019-05-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had reached out to American Express more than 2-3 weeks ago to talk to them about refunding a credit in the amount of {$19000.00} I spent considerable amount of time over the phone and i was rest assured that a check would be mailed to my mailing address within 7-10 business days. 

I followed up with the earlier this week most likely on XX/XX/19 to get the status, and was first told by the representative that no such request was initiated and then was told that there was a glitch in the system. I expressed my frustration and was told that a new request was being made, verified by mailing address and said this time for sure a check will be mailed out within 7 business days. The representative also said he will lodge an inquiry to the previous call but I would have to followup with them to get a status. 

I followed up again today XX/XX/19 and was told that they had a wrong address to which the check was mailed out that involved a PO Box . I told them I had not provided any such address and demanded to speak to a supervisor. I was on the phone for more than 40 minutes and again was rest assured that the refund shall be issued to my bank account free of charge by Wednesday the latest and that the supervisor shall personally followup on Monday and Wednesday. 

It seems they are not willing to refund my money and every time I call, I get a run around, hollow apologies, false statements. This is not only poor customer service but they are deceiving their customers. 

I can not wait any longer to receive my refund and therefore am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.

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 2023-01-20
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My property is already foreclosed back in XXXX. I couldn't make payments because my wife 's contract has been rescinded by XXXX XXXX XXXX XXXX. She manifested first symptoms of XXXX XXXX XXXX. She passed in XXXX. We lost the house. Nobody, including Wells Fargo, did anything to help us with this issue and all our economy crumbled with this disaster. I am now retired and living with SS prestations. 
My date of birth is 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 explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX I logged into citi.com and paid my credit card balance in full as I do every month. On XX/XX/XXXX, after logging into my checking account I learned someone had hacked into my account and wiped my checking account out, as a result, a security closure was done to protect my account from further ID theft. A day later XX/XX/XXXX CITI finally presented my payment scheduled for XX/XX/XXXX to my bank, but the account I scheduled the payment from the week prior was already closed and the new account had been generated already. 

During that time I made several calls to CITI to discuss disputed payments on my account and no one bothered to notify me my account had/or would be closed, or that my payment had been returned. 

By closing the account, CITI also removed the XXXX XXXXXXXX reward certificate I had earned from the previous year 's spend. 

As I had never been late with my payment and never missed a payment, closing my account without notice, based on the resulting account closure of my checking account due to Identity Theft seems extremely uncalled for, irregular, and seriously deceptive practice. 

Citi is also required to provide me with written notice of their adverse actions closing my account. However, I have not received any letters regarding the account closure, and none are shown in my online document center, which is where they should all show up as I am setup for paperless documents, billing, and statements.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/ after being Wells Fargo customer for over 20 years I applied for a business credit card as I recently incorporated my small business. 

Having 20 yr history with Wells Fargo and always have solud account history I applied for business credit card. Having great credit History solid income and XXXX in 800s I was denied. 
When I called I was not given a valid reason why I was denied. I never got a response to my credit card application. I had to call back several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX, 2020, I received a letter from Firstsource Advantage offering to settle my account with them for {$310.00}. On XX/XX/2020, I called Firstsource and spoke with a representative re : the account. I then made an online payment of {$310.00} to settle the account. After that phone call and payment, I thought that the issue was settled. 

On XXXX, I received a letter from Firstsource informing me that I now owed {$690.00}. This amount is even more than the original amount they quoted, and more than twice the amount that I paid to settle the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2022-03-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX. Is a business that went through my account from PNC fraudulently taking {$89.00}. PNC denied my complaint and sent me documents relied upon to make the decision. The documents sent was very poor and did not provide me with a legit phone number for the merchant nor a website. A tracking number of the product was fraudulent after speaking with USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IA
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is an old one and I have no expectations, I just want to clarify that Wells Fargo has been abusing their customers for decades. In 1999 my husband and I bought a motorhome for a work/live situation as his job required travel. Shortly after the purchase he was injured at work which resulted in a XXXX XXXXXXXX. We had purchased XXXX insurance on the loan and they paid the note directly to Wells Fargo but, after the final payment on the loan was made, Wells Fargo declared the note " charged off '' instead of " paid off, '' we tried to get this corrected but to no avail, being told that Wells Fargo could do as it pleases and we'd simply have to live with it. From that moment on we couldn't get a loan for so much a box of cereal, it affected us right up until my husband died of his XXXX, and occasionally pops up on my credit reports to this day.

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 2022-03-21
Company: AES/PHEAA
State: NY
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:
I qualify for XXXX under the new waiver. FedLoan is my student loan servicer. They congratulated me on the forgiveness of my Unsubsidized loans but it still shows that I owe Subsidized loans. They were taken out the same time. Then, they said they needed to verify my employer. I even had my HR Representative send a letter to them for verification. Everytime I call, I'm assured that it will be forgiven but that it just takes time. I have helped multiple coworkers with this process and their loans were forgiven... Yet here I am, still owing when I shouldn't. Please help me? I've been a public servant even before I graduated from high school. This would be life-changing for me and my family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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, 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