BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, I have a finance background and am concerned with some behavior I have witnessed from Fidelity in the last few months. 

Fidelity has a partnership with Elan financial to offer credit card and balance rollovers. I replied to a teaser of 18 months with 0 % APR. The balance rollover didn't go through ( they claimed for some unknown reasons ) and I tried to call multiple times to fix it. It took many hours to get them on the phone. Even just to activate the card took hours collectively to fix the issue ( I gave up 30 minutes on hold several occassions since they provided no information about wait times or my place in line ). This is a deceptively low level of service only revealed to customers after they open the line of credit, and I think they just wanted to have me open the account without fulfilling their promoted offer and end of the deal. Further, they used my Fidelity investment account information to make the offer to me, so I tried calling that branch and they said that they can't help me at all and it's all Elan. I told them about the impossible hold times and they didn't care. I find this behavior borderline bait and switch and believe this could harm some consumers. 

Today, I was able to make progress on this issue, but it collectively has taken many hours of my time and seems borderline. Only because of my persistence and understanding was I able to navigate this. Note that I am not worried about their holding up their end of the deal for me, as much as I am worried about other customers. 
I am persistent and have wasted much time fixing this, but I doubt this will be true of their other customers. If the barrier is systematic this strikes me as a problem. ( I acknowledge I could have gotten incredibly unlucky in my interaction with them ).

However, their online reviews seem to suggest they have a history of this. For example : XXXX XXXX XXXXXXXX Thank you, 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 explanation
Consumer complaint received 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported fraud on my checking account for {$200.00}. Bank says it was a good charge but never sent me documents as promised to prove it. I stated to them it was fraud but they refused to return my money to my checking account. It was for XXXX 's and I told them this was not me but they never sent anything to show it was Later when I checked for mail which they say they would send, but never did, I was told that it was too late too do anything about it after waiting several months for my funds to be returned. The bank was PNC bank in XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: MOHELA
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:
MOHELA has an incorrect loan payment amount, as based on my previous recertification when my income was XXXX dollars per year, my payment amount should be XXXX dollars as well. MOHELA has calculated a {$5000.00} per month payment amount which is incorrect. They refuse to fix it and keep trying to get me to recertify when I dont have to per federal guidelines until XXXX of next year. They are rude and unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX Huntington bank called me about fraud charges and I verified multiple charges that were not mine. Bank told me they determined it was authorized but, I didn't authorize them. 
Disputed their decision 2 more times. Filed a police report and still can't get them to see the truth that these are not my charges. Sent letter to bank with my timeline and witness. 
Contacted them several times. And it is still not resolved 30 days later. I should get my money back. I didnt make these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/19 I received a letter from Wells Fargo stating they were recalling my mortgage loan and we were in foreclosure. Prior to this letter, I have been working with the company on loan modification and paying to make the account current. We have been in communication by phone for 2 months prior to now consistently. Leading up to this letter, my most recent calls being XX/XX/2019, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was never mention of this happening or being a possibility. Until the phone call on XX/XX/XXXX, I was working on loan modification, making payments trying to catch up and work with Wells Fargo to keep my home. The phone call the 13, when I was calling to make a payment, I was told we were in foreclosure and no one could talk to me or take a payment. Upon getting home that day, I did have a letter in the mail stating in foreclosure and i need to move out or pay the remainder of my mortgage {$56000.00}. No other communication of letters or mail ever came to me except my monthly billing statement. NOTHING. On XX/XX/XXXX I spoke with the person in charge of my loan modification, and he did personally discuss foreclosure and kept bringing up something called a reinstatement amount, and all about a default letter, a cure, etc ... None of this stuff had been sent or told to me. NONE. ALL I have received is that now we are in foreclosure and a sale date is pending to be set. He also spoke about the law firm handling my case, again have received nothing. He reviewed my case in their system and stated and agreed none of this had been sent to me. None of this showed in my history data in their system being discussed or sent with/or to me. He could confirm all the phone calls I have above mentioned and more with no notes of this. I was told by him a court case has already been filed against me. I also have no information about this. Now or prior. He stated " I just should have expected in being behind in my mortgage. '' My mortgage was 120 behind on XX/XX/XXXX by this time I had already began loan modification and working with them to bring current. Truth in Lending Act states dual tracking by a creditor cant happen. I was doing my part. There was no way I could have " expected it being behind in my mortgage. ''

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 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Why do I still see this being reported by XXXX XXXX/Transunion when it is totally false. The account in question was sold to another company. It may the initial payment was held by the original lender. I have submitted payment history from XXXX and addressed this issue on various occasions and the record is still being displayed. IT IS WRONG. I have never been delinquent. What will it take to have it removed? 

Delinquent Account ( XX/XX/2018 ) Alert Type : Delinquent Account Processed Date : XX/XX/2018 Account number : XXXX Creditor 's Name : XXXX/XXXX Type of Industry : Miscellaneous Finance Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This inaccurate account is reporting as opened on my credit report when in fact it is closed. 

Please remove inaccuracy this account from my credit report or I will file for litigation.

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 2021-07-20
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I believe that I am owed a significant refund from Freedom Mortgage. I have called and email multiple times with no solution to my problem. I have attached copies of my closing costs, taxes from XXXX, XXXX insurance rate, and other misc. Documents that I believe will be helpful in rectifying the escrow errors. 

Please note that I reached out several times in XXXX and once in XXXX to clear up issues with my taxes, as well as multiple phone calls. XXXX XXXX who did my closing also reached out twice and she never heard back ANYTHING either. I had to do a lot of research, calls, and collecting information to figure out some of the issues on my own since I wasnt receiving the information from Freedom Mortgage. 

If you have any questions or need anything further please contact me at XXXX or XXXX. 

I need to get this cleared up asap so I would think 30-45 days from the date of this letter should be sufficient. Please note that since I have had this continued issue without anyone from your company apologizing or correcting the errors I will also be reaching out to a government agency to let them know of the problems with your company as well. I did try reaching out to XXXX  but still never heard a thing with my complaint with that avenue either.

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 2023-08-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a XXXX XXXX XXXX card to use at the XXXX XXXX XXXX XXXX in XXXX XXXX, however they closed without any notice to members are even to workers. I use to pay in the store and had great use for the card at that store, however I ended up losing my job on last year and unable to make payment. I tried making payments online and my account has been sent to a collection agency by XXXX 's XXXX named XXXX XXXX. XXXX XXXX XXXX never notified me of this information. I received a letter today from XXXX XXXX. I think that it is unfair to me that I never had the opportunity to work any type of payment plan and was not notified by XXXX XXXX XXXX. I only got the card because of one location that I used in XXXX however it is closed. XXXX XXXX XXXX did not hold its end to my credit card agreement with notification of services and limited services in my city.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: NM
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:
I have been calling and sent letters to EXPERIAN to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.

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 2023-09-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
All these inquiries need to be deleted under federal law. Attached will be an FTC report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOU ARE IN VIOLATION OF 15 USC 1681b DELETE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI AM UPSET THAT ON XX/XX/2015 XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: JPMORGAN CHASE & CO.
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/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX 

First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX  and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Family member got ahold of my social security number and applied for a Capital One Credit card and I had no idea about it until the bill come in my name and still to this day I haven't been able to get anymore info on the account of the credit card and I would like it removed from my credit history so I can see how to get approved for another one it was back between XXXX

Company response to consumer: Closed with explanation