BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX Credit Card says no interest until after the promotional period ( usually 18 months ) which leads most people to believe that if you have a balance after 18 months, they will charge interest on the remaining balance. BUT, THIS IS NOT HOW IT WORKS. If you have even a small balance left after the promotional period ends, they charge interest on the original balance ( not just the remaining balance ), even if most of the original balance has been paid. In my case, I paid down a balance of {$2800.00} to {$750.00} when my promotional period ended. Instead of charging me interest on the remaining {$750.00}, they charged me interest on the original balance, even though most of it ( i.e., {$2100.00} XXXX had been paid off. The interest charged was {$830.00}. Yes, you read that right, a single interest charge of {$830.00} on a remaining balance of {$750.00}. So my balance has gone from {$750.00} to {$1500.00} in only XXXX month, just because of an interest charge. I called customer service twice today, but they were of no help, saying it was my fault I did not read the fine print of the contract I was signing. I asked for a copy of the contract, and they refused to provide it to me! I have card statements to prove what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: IL
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:
Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all XXXX bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.

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 2017-07-27
Company: U.S. BANCORP
State: AZ
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:
XXXX was reporting outdated information ( from XXXX 2017 ) regarding a US Bank credit card account for which I am an authorized user. My wife is the primary account owner. We contacted XXXX and they advised that they had simply not received updated information from US Bank and that we should submit a dispute.
We were not advised that by submitting a dispute, XXXX would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my XXXX  credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan.
We requested to withdraw the dispute from XXXX, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact US Bank and request that they either call the " local XXXX marketing office '' or submit a request to update.
We submitted documents in writing to both XXXX and US Bank requesting this. US Bank advised that they can not call the marketing office and repeated efforts to request them to do so have failed. US Bank advised that they investigated out situation and sent over a request to XXXX on XXXX/XXXX/2017.
XXXX advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have US Bank call the office ( which they refuse to do ).
XXXX is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. US Bank refuses to assist further.

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 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late in both XX/XX/XXXX and XX/XX/XXXX and 120 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. 

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account

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 2021-12-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a store credit card XX/XX/XXXX with XXXX XXXX worth {$4900.00} through Wells Fargo. Wells Fargo closed my credit card without any notices or explanation. I have no documentation from the company as to why my account was closed. The company closed my account between XXXX and XX/XX/XXXX. I contacted the company XX/XX/XXXX to see why it was closed but they refused to give me any explanation. I didnt owe a balance. When I did have a balance I paid my bill on time ( sometimes ) early. They did offer they can file a dispute so that the account can be removed from my credit but has yet to do so. It has been months since I last spoken to that company and nothing was ever done. The closed account still remains on my credit. I will never get a credit card with Wells Fargo ever again. They are extremely unprofessional.

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 2022-02-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
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 order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their  money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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: HANCOCK WHITNEY BANK
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a $ XXXX line of credit with Hancock Whitney Bank against a {$1.00} million+ property here in uptown XXXX XXXX XXXX 
During covid I lost all of my XXXX University tenants who vacated their apartments and returned home leaving me with little or no money to pay my mortgages. 
~Hancock Whitney did not offer me forbearance or any form of modification whatsoever.

When I found out I was being foreclosed on I called them and was belittled and made fun of.~ I can find out that person 's name for you.

All of my attorney friends received hundreds of thousands in PPP loans for their respective law firms which they didn't even need! I didn't qualify.

WHY WAS ALL OF THE PROTECTION FOR TENANT/EVICTION AND NOTHING FOR LANDLORDS BEING FORECLOSED ON?

I don't owe Hancock Whitney much against this prime piece of property.

Can you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: FlexShopper, Inc
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer of the United States and XXXX XXXX XXXX XXXX is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to XXXX XXXX to contact me at any given time or place as well as never giving them any of my information. The fact that XXXX XXXX has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm XXXX XXXX XXXX XXXX has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts are 10yrs old, paid in full, and was updated with new first reported date to XX/XX/2019. Bureau failed to give proper verification of inaccurate reporting.

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 2022-02-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi Bank advertised that if I open up an account with {$50000.00} and maintain that balance for 3 months, I would receive {$700.00}. After 3 months, I called Citi Bank and was told that I qualified for the bonus and I would see it on my statement at the end of the month. I called several times over the course of 3 months and I did not get my bonus. My sister opened up her own account and she had to fight to get her bonus, too. She eventually did. However, they are still promising that I will get my bonus but it's been 5 months since Citi Bank VP Branch manager and Citi Bank representatives assured me I will receive {$700.00}. We've been stopping in the branch multiple times and they say it's coming. I sent emails, too. Citi Bank does not honor its word. I read online reviews, too, and other customers are having the same issue! XXXX XXXX XXXX XXXX rates Citi Bank an " F. '' Another customer at the bank was also complaining about not receiving his {$700.00} bonus. Do not trust that Citi Bank honors its promotions and bonuses. Even when I say that I will consider taking action for bad faith, they still do not care. I highly recommend finding another bank to conduct your business.

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 2022-02-03
Company: LD Holdings Group, LLC
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:
I sold my house in 2020. Loan Depot reported my final payment as late, over 90 days. I was on deferred payments and still had 2 months to go before it ended when the house was sold. All came of my credit reports until this year when apparently one or more of the reporting agencies decided to verify with Loan Depot who, it seems, failed to repspond. 
I don't blame them, they already did their part. Now I'm being denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage There has been nothing but the run around with the issue/issues at hand dealing with Documents As stated on the XXXX XXXX, XXXX letter that has to do with California All Purpose Certificate Of Acknowledgement It is stated by Wells Fargo Mortgage that there is no place for my signature on the California All Purpose Certificate of acknowledgement. as I have uploaded a copy of the document. 
First thing on XXXX XXXX, this document was not presented to me in any way nor did I appear personally. 
This document has a place for the Notary to sign It has Signers Name line it has Signer is representing line Signers other than named above It also stated by the notary I personally appeared so if I appeared why did I not sign my own name as I did the other papers on XXXX XXXX My next issue is nothing nor was corrections agreement nor limited power of attorney discuss by the notary. notary can not act as my attorney nor give legal advice. 
On my originals documents there are over 21 signature lines left blank & there was a charge by the bank for a closing attorney and there was no closing attorney on any signings. 
Other issues I have all the closing documents that was giving to me in the original folder showing as proof all the blank lines as well as charges for a closing attorney that got paid that never rendered no service for closing. 
So there are a lot of issues at hand. 
Personally appeared means me being there and signing or a document stating that I 'm giving up rights on the California All Purpose Certificate Acknowledgement. 
There has been a lot of tricks and wording by Wells Fargo Mortgage Home. 
No matter how you put it Appeared means personally and if Wells Fargo Mortgage Home was doing loans with morals they would not have to play the word game as if I cant or do n't understand. But my documents sign on the closing date is proof with all the pages left blank there was no closing attorney as stated on that day which was charge to FHA in which is fraud by Wells Fargo Home 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 explanation
Consumer complaint received 2021-12-21
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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 information incorrect

Complaint:
I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX  continue to report a balance and OPEN account.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion not able to add a credit freeze after applying online. The website says that a credit freeze is unavailable and to check back or try calling XXXX. 

I tried checking back the following two days with the same result so I called the number provided. An agent who answered the phone took my contact information and informed me that someone would call me back within 3 days.

I believe that TransUnion is required to add a credit freeze to a consumer 's credit file within 24 hours of a request, but this is not the case so I believe they are violating my right to a credit freeze.

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