BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased an appliance from Best Buy on a 3 yr no interest contract agreement. Best Buy did not fulfill the contract because the appliance broke and they were unable to replace it in a reasonable amount of time. I went 6 months without being able to wash my clothes. Best Buy didnt accommodate me at all for the amount of funds spent to do laundry in those months. While I still had no appliance Best Buy added interest to my account and raised my monthly fee although I was still making on time payments. After they raised the fee they reported late payments to my credit file. I have never been late in three years on this account. My credit report took a hit.

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 2023-01-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased windows for my home, for late spring installation in XXXX, on XX/XX/XXXX via written contract in my home with sales person of XXXX XXXX XXXX with credit card purchase of {$5000.00} toward the total due. After re-examining conversation with XXXX XXXX XXXX sales person we felt there was something shady about the company so we followed their policy and filed a declination of contract form they provided us with according to their own policy. XXXX XXXX XXXX had a certain amount of days to refund our credit card, per their own written policy. Refund was not received so we disputed the charge with the credit card company. Called the credit card company 3 times to discuss status of the investigation and was told someone would be instructed to call us to discuss further. Each of the 3 times we never received a call back from anyone investigating the disputed charge. Then we received a letter from the credit card company stating we did not follow XXXX XXXX XXXX declination policy and they wanted to know the date we contacted the company and what the company 's response was from that contact. However, we followed the policy to the letter and provided all proof necessary to void the charge on our credit card. The credit card company said they would reinstate the {$5000.00} charge and the fees and interest related to that charge going back to the date of the charge. We have no reason to contact the credit card company any further since they ignored the proof provided that we followed XXXX XXXX XXXX policy and were wrongly denied the dispute of the charge. We desire the {$5000.00} be removed and any related fees and interest related to that charge be reversed as well.

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 2023-06-14
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
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 am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX  bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas.

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 2023-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To Whom It May Concern : Dear Sir/Madam I try not to visit your branches, because I was once XXXX  discriminated by a XXXX  female employee at one of your branches, which honestly I am not really surprised at because I see countless news articles about XXXX XXXX  at Chase branches , so I guess that's the Chase standard. So I try to do my banking via phone only. 

On the XXXX day of XX/XX/2023, I made three calls to your claims department.

Call 1 : I called regarding canceling one of the disputes, spoke with one male operator from the claims department, not sure if the dispute has been cancelled yet. I asked the operator to transfer the call to the general customer service department because I had another question. The operator asked me to call back again and hung up on me.

Call 2 : I called your claims department to lodge a complaint against the previous male operator. This time a female operator named XXXX from the claims department picked up the call. I asked her to transfer the call to a supervisor/manager. A male person came to the call, I first asked him to confirm if he is a manager or a supervisor, to which he clearly replied if I don't give my account number to him he will hang up the call on my face. I have zero tolerance for this kind of attitude, so I responded to him " appropriately '' after which he ofcourse hung up on me. 

3rd call : I called your claims department again to find out the names of these two people I spoke with earlier, but this time the female operator could not give me the names.

Why should I bank with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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 information incorrect

Complaint:
the account is accurate but their should be no late payments reported to my account please correct all late payments on my credit 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 2021-10-11
Company: Experian Information Solutions 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:
The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

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 not furnish a account without my written instructions.

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

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 2023-01-14
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The former mortgage company Amerisave was going to do an assumption process to take my dad out from the loan and for my husband, one of the mortgage holders to assume the loan alone, the company asked for an assumption processing fee I went ahead and sent it then they decided to transfer our loan to another bank XXXX  and after the transfer Amerisave cashed my check, now I have been emailing the assumption special loan department from Amerisave and calling and speaking with them and the only response is, " we do apologize for the inconvenience but this issue was given to a supervisor for approval to refund the monies '' I have been back and forth with them since XX/XX/2022, and I explained why did you guys cashed my check if you guys no longer had the account? I have been asking how much more time I have to wait to get my refund back? And they keep saying, I have to wait, is pending for approval ... I explained this issue to the new bank XXXX and they mentioned that Amerisave has the tendency to hold the monies and the clients have to fight for their refund. Now the new bank is in the process of doing an assumption but I need my monies ( refund ) from Amerisave. Please can you help us? I sent Amerisave a letter asking again for a resolution or I will escalate this matter. thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My daughter attended XXXX XXXX XXXX, I signed parent plus as there was no other option ( I also attended school for a few months and had $ XXXXin loans ) The total financing ended up being about 20,000 plus Mine. The school closed she had no degree no transferable credits had to start over a year ago In the meantime : the debt is now {$40000.00} because I had no money to pay it and deferred for years .I adopted children and my dependents were high so qualified at XXXX payments but the Interests is still sky high. I have XXXX children to still put thru college. I feel the Interest should be frozen so now I can start to pay I can at least manage it, at this rate Ill be dead before its paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been in dispute with this account with Transunion, XXXX and XXXX and it is still being improperly reported. The amount is for {$5800.00}, the date the account was opened was XX/XX/2020.

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 2022-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my previous loan company on XX/XX/XXXX to get a payoff quote for my loan and was advised the loan was transferred to Select Portfolio Servicing , Inc ( account number XXXX ) on XX/XX/XXXX. I called Select Portfolio Servicing on XX/XX/XXXX and also tried to log in online unsuccessfully. I waited an additional day and tried again on XXXX. When I was not able to set up an online account so I could request a loan payoff, I called the company. I talked with a gentleman who said he was going to escalate the request to the payoff department and I should have a fax with the payoff amount and instructions to pay within 3-5 business days. I have been looking for the fax to come through since then. When I still did not receive it this morning, I called the company again. I was advised that my loan has STILL not transferred and that they would make a new request to get a payoff for my loan sent to me via fax. They did not give me any timeframe of when I would receive it, nor would they try to contact an individual to see if they could manually take care of this immediately. I spoke to representative XXXX and then supervisor XXXX today. 

My main issue is that I want to pay my loan off but am not able to. Each day that goes by, I am having to pay interest unnecessarily because I am waiting for the mortgage company to respond. I would like my payoff to reflect back to XX/XX/XXXX, which is when I would have paid my loan off ( assuming I had a payoff amount and wiring instructions ). I don't want to pay interest because my loan servicer can't figure out their paperwork. I feel that I am being trapped to keep this loan inforce and would like some assistance to get this resolved quickly. I have not received ANY documentation from the new loan servicer ( SPS ) to provide to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Firstsource Business Process Services, LLC
State: IN
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:
On XX/XX/2023 I received notice that a local attorney, XXXX XXXX XXXX sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named ONE ADVANTAGE, LLC. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. One Advantage, LLC or the attorneys at XXXX XXXX are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-03-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a XXXX  XXXX  for about 7 years. I resigned from my position at the end of last year. 
Me and my spouse decided to open our own XXXX. 
Long story short I completed a withdrawal from my retirement. 
I requested a check to be mailed to me. 
The check was lost but on the retirement website stated you'll receive your funds within 10 days of the check being issued. 
It took me over a month to get my funds. 
XXXX came and went and I was already in a loan modification with Wells Fargo and if I had received my funds correctly I would not be possibly looking at a home foreclosure because i couldn't make the payments needed before XX/XX/XXXX. I informed the XXXX retirement of my concern about my home. 
Nothing they could do even me facing loosing my home. 
Nothing, no help at all. 
Now I'm left with dealing with Wells Fargo with just started a new XXXX  .The rest should be self explanatory.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$45000.00}.

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