BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase advertisements make it seem like any normal person can obtain one of their great credit cards. The points and cash back rewards seem amazing but what they don't tell you is they are highly discriminatory. They will only give credit to those people they want to even if you qualify for it. Even if you qualify for credit they will request documents they know isn't possible to obtain for some time. They know this so they also make it so you can not record their phone calls even though they can. I asked a supervisor specif information but they remain vague and just repeatedly ask for information they know that isn't possible and refuse to be flexible EVEN IF YOU QUALIFY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-09
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: TX
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:
As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Account Number : XXXX People on the loan : XXXX XXXX and XXXX XXXX ( my dad ) On XX/XX/2023, at XXXX XXXX, I paid off my student loan in full. The amount was {$13000.00}. I noticed after a few days that the money was still in my bank account. So I logged onto the Nelnet website and noticed two things : the payment was still being processed, and a new charge of {$140.00} was added to the balance and due XX/XX/. 

I called, and after waiting for 2 hours on hold, I was finally connected to a representative. She said that because I made the payment after XXXX XXXX ( not true as previously stated, which I told her so, and she argued with me ), it would take 5 to 7 business days to process. Had I made the payment before XXXX XXXX, it would have been processed immediately. Also, while the payment is being processed, the loan is still accruing interest daily, despite the fact that I paid the entire loan off. I told her that none of what she said made any sense and requested a supervisor. She said the wait for a supervisor was an additional hour. Frustrated, I gave up. Before hanging up, I asked for an email address, and she said, " We don't have one. '' None of these practices seem legal. How can they charge interest on a loan that was paid off? It's not my problem how they process payments. It's been 6 business days since I paid my loan, and it is still processing. I have the receipt, the time of the transaction, etc. 

Loan sharks are more lenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WE tried to send XXXX {$4100.00} to friend who is a XXXX  in XXXX. We are friends over XXXX XXXX but met through another XXXX  who visited this man in XXXX. We were sending money for a water project. 

We used Western Union and then they refused to sent the money because we could not say that we had ever actually spent time with the XXXX  from XXXX WE asked for a refund and they said they would process this. We have called at least 6 times asking where the refund is and they keep saying it has been approved and is in process. However after more than two months we have not received anything. We have called back and get the same answer even though we have asked to talk to supervisors. Same answer every time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a medical claim that was submitted to my credit report as delinquent in 2021. Every month this company would report it as a late payment so that the payment history would not age. So although this was a closed account, they would using this predatory tactic by reporting it late every month so that my credit score continued to be impacted. I submitted a investigation with XXXX and they agreed that the company should not report it every month as a late payment. My credit report was fixed. A couple a months later, this company once again engaged in predatory tactics and increased the medical claim amount by {$5.00} in order to make it appear it was a new delinquent payment on my credit report. When I called the company, they stated the {$5.00} was a finance charge. They are now once again reporting this every month on my credit report. It is evident this company increased the amount by a fraudulent {$5.00} in order to justify re-reporting this old medical claim payment so that my credit report does not age and my credit score is continuously is impacted. 
The company is Progressive Management Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, we received a letter from Wells Fargo Mortgage informing us that they are selling our Mortgage to another Mortgage company called XXXX XXXX XXXX XXXX by XX/XX/2018. I have looked on line at reviews regarding this particular company and found many negative reviews. I am concerned because if this new company has suspect practices and motives -- in other words, they are not designed to aid people in maintaining/keeping their homes ; what choices do we have? -- if mortgage companies can choose who they finance, then why can't mortgagees decide who their mortgages are sold to? I am very concerned about my future in my home with this new company. I am a consumer what can I do? How can we be protected from predator type mortgage companies?

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681, section 602 A. 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 2022-07-19
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX, my credit score went down XXXX points. When I checked my credit report, my on-time payment history had decreased from XXXX XXXX XXXX XXXX XXXX and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I attempted to resolve the XXXX fee on my checking account, in the past transactions Wells Fargo Bank explained there will no fee to my account if there was a negative transaction because I am not enrolled in the Over Draft Protection. In addition the bank charged me a pending/posted transaction that was made a week prior to my charge in which allowed my account to further go into the negative. That is a major cause for the XXXX fee. The representative where very rude and explaining a policy that had nothing to do with the charged fee. I am submitting this complaint in regards to false information given by Wells Fargo.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MI XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 7. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Several months ago I FROZE MY ACCOUNT wih Discover by clicking the link that says " Freeze Account ''. However, Discover, apparently has created a new definition for freezing an account as they have continued to allow merchants to charge my account for services that I want to move to my other credit cards. Discover has a bad habit of advertising an image of being customer centric and customer friendly, yet makes moves that work for them. This is called " False Advertising '' and they are guilty of it in many areas of their business. 

They have allowed charges from XXXX XXXX for XXXX and XXXX for XXXX these are not authorized on my Discover Card. 

They show a current balance of XXXX. Please provide Discover Card with the " Adult Supervision '' that they so desparately need and have these two charges canceled and remit a check to me for XXXX. 

I also ask that you educate Discover Card on what " Freeze My Account '' means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My application for pre-approval was beginning but permission was not given to move forward with the process as the property in question was taken off the market. I called the loan broker and stop the application process before it was to be looked at. The loan broker from Wells Fargo proceed without my written permission or orally expressing my consent.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A scammer who was unauthorized to use my credit card charged my Citigroup credit card more than {$3000.00} to XXXX on my credit card. None of those charges appear on my bills. I am XXXX XXXX XXXX widow and the thought of me charging {$3000.00} for technology is simply perposterous. I have repeatedly provided my statements to Citigroup ( my credit card ) but they refuse to address the issue. 

I contacted Citigroup the day I identified the issue and seeking to resolve this issue. 

I have contacted XXXX over 6 times and each time they confirmned none of those charges are against my account. Despite this Citigroup has refused to resolve the issue. I have communicated with Citigroup over a dozen times all to no avail. 

In addition, Citigroup 's fraud department sent me to their dispute department and their dispute department is sending me back the fraud department.

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 2021-09-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 around XXXX.. I checked my Wells Fargo online banking account and noticed a charge for XXXX from XXXX  and immediately called the fraud center to report that my card had been compromised. At XXXX that evening, I received a call back during my work hours from the same number I had called at XXXX and thought for sure it was my bank calling about my dispute.. come to find out it was a scam and the scammers got my information because they acted like they were helping me and with Wells Fargo.. They wire transferred {$14000.00} from my account through XXXX XXXX in California. My entire savings, {$2000.00} from my credit card, and all of my checking account completely wiped. Here I am about to turn XXXX tomorrow, a XXXX XXXX XXXX XXXX, and trying to close on a new home and my life is torn now. I have XXXX money in my account and XXXX help from my bank Wells Fargo. They keep telling me my money is not insured but if they would have just closed my account when I first called them then this would not have happened the way it did. I am without a doubt screwed if I can't get that money back. I will be XXXX, with a XXXX, XXXX XXXX XXXX. Please help me.

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