BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Bread Financial Holdings, Inc.
State: SC
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 have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
he mortgage originated with XXXX, acquired by Wells Fargo at some point. The account was in two names - mine and my then spouse 's name. We separated in XXXX at which time he moved out and I made all of the payments. I was awarded the home in the divorce in XX/XX/XXXX and my ex-spouse signed a quit claim deed in XXXX when I refinanced with another institution. 
Several months prior to my closing I asked Wells Fargo to research a {$970.00} fee they had added to my account for what they indicated was " foreclosure expenses ''. They never reversed those charges, and they were included in my payoff quote and paid in XXXX. I received a letter on XX/XX/XXXX reimbursing me for those fees along with an added amount for " the time these funds were unavailable ''. This check was made payable to me " and '' my former spouse. 
Any checks for funds to the account ( class action lawsuits ) have always been issue to us both, and my former spouse refuses to endorse them for me. I had to use our divorce attorneys ( a XXXX process ) each time I needed a check endorsed. 
In this case, the final payoff was sent to them on my behalf by my new financial institution. This check included an amount I had disputed. There is a divorce decree and a quit claim deed showing he has no interest in the property. I have contacted Wells Fargo by phone and by fax to request they reissue this check in my name alone and the responses have been refusals at each attempt. I should not have to hire an attorney every time I need a check signed by him. They already have a copy of the quit claim deed, and my banks will not allow me to cash or deposit the check without the other signature. Wells Fargo correspondence stated they would replace " and '' with " or '' on the check but would need a NOTARIZED authorization signed by both parties to do this. ( I guess they think he will give me a signature on a piece of paper knowing he won't on a check ). 
The company is not working with me to find a solution to this, and I simply want MY money back, which I paid, for fees that were NOT supposed to be charged and were DISPUTED before they were paid for. I request they send any future checks in the same manner - payable to me alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They said they wouldn't charge more than35.9 percentage and they are charging 399.564 percent. Plus when they quoted the amount it was made like they would adjust that amount because of what was in there written contract. They did not honor there word and I believe they false advertised. I have paid XXXX in 7 months for a XXXX dollar loan. Payments of XXXX and some change. And because they have me recordered as saying that I would make those payments I am not honoring my word. I feel like I have been lied and decieved and honoring word is a two way street

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank has admitted to sharing my new personal banking information with previous vendors and has sent me this in writing. 

The bank has admitted to acting as my personal accountant by authorizing payments without my content calling it an authorized recurring payment. 

I would like the bank to provide me the authorizing document from me allowing them to approve any recurring payment. 

Further, the bank refuses to end this practice and tells me in order for the authorizing recurring payments to be unable to go through the vendor needs to be informed. ( the vendor was told but does not care because they keep getting the stolen information from the bank directly with their fraudulent relationship ) I want to know when and at which point the vendor had received control over my account to make such claims. 

I would like to know who authorized the bank to process any annual payments without my consent and to share the new security code and expiration date information without my consent. 

The bank has confirmed that their processes and procedures where followed which begs the question why are these procedures not illegal and why is the bank not being charged with fraud and selling customer banking information to the highest bidder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank of America Account XXXX Bank of America Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is incorrect information on my report. My wife has the same inaccurate listing on her report as well. We sold our house in XXXX of 2021 so there was no foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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:
I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
THIS IS A MUSICIANS FRIEND CREDIT CARD/SYNCHRONY BANK. I RECEIVED THE CARD I BELIEVE IN 2019. I DON'T KNOW FOR SURE BECAUSE THEIR RECORDS ONLY GO BACK 12 MONTHS WHICH IS POOR BUSINESS I THINK. 
I MISSED A PAYMENT ONLY ONCE BECAUSE IT HONESTLY COMPLETELY SLIPPED MY MIND. HOWEVER, BESIDES THAT ONE TIME I HAVE MADE MY PAYMENT ON OR BEFORE THE DUE DATE AND PAID THE MINIMUM PAYMENT AND MORE OFTEN MORE THAN THE MINIMUM PAYMENT. 
MY COMPLAINT IT THEIR SHODDY, INCOMPETENT WEBSITE AND BUSINESS PRACTICES. EVERY MONTH WITHOUT FAIL I GO TO SIGN INTO MY ACCOUNT AND MAKE MY PAYMENT AND EVERY MONTH THE SITE TELLS ME IT'S DOESN'T RECOGNIZE MY PASSWORD. EVERY MONTH I HAVE TO CHAT ONLINE OR CALL AND I'M ALWAYS TOLD I HAVE TO SET A NEW PASSWORD. IN 3 YEARS EVERY MONTH ... .THAT 'S A LOT OF PASSWORDS. 
I KNOW THIS IS NOT MY FAULT AS I'M XXXX AND OLD SCHOOL AND I WRITE EVERYTHING DOWN SO I HAVE THE PASSWORD WRITTEN DOWN, WITH THE XXXX AND ACCOUNT NUMBER. 
THIS BANK SHOULD NOT BE ALLOWED TO PRACTICE UNTIL THEY CAN GET THEIR SERVICES UP TO STANDARDS. 
THANK YOU

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 2022-10-03
Company: DISCOVER BANK
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:
I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX Discover Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested Capital One to Remove a {$79.00} member fee and all additional interest acquired because of the above fee applied to the account on XXXX effective immediately. Allegedly a replacement credit card was sent 2 months ago however I never received or activated any card since XXXX XXXX so I locked my account and the prior card was closed on the account because of fraud use as well. I communicated with the company via chat on their website and via phone XXXX requesting why and how are you assessing a member fee for an account card thats 1 never received or activated and the other card was closed for fraud. Unethical and not business sound to charge something thats noy even activated really? So as a result stated to close account and only paying my balance owed not any additional fees and interest and need to remove the fees and interest accrued because of fee they posted on XXXX and they refused but closed the account but stated i have to wait 45 days or more to adjust fee but will not adhust any interest smh.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to transfer my money to my bank and they locked it for fraud said Id get an email in XXXX and now its been almost a week and still nothing.thats all my money for bills and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Was at Bank of America today at XXXX. ( XXXX and XXXX in XXXX XXXX ) We asked our daughter to meet us there as we wanted to add her name to the safe deposit box. We were told that we had to have an appointment to do this. The bank was empty and they said no one was available to help us. The manager could not help us and another worker refused saying she is unable to assist us. WE felt that they simply did not show any interest in us. We are preferred customers at this bank. The bank owes us an apology. The whole process would have taken 15 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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:
On XX/XX/XXXX I applied for a credit card with XXXX  XXXX XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX XXXX XXXX was established. 

But then XXXX  XXXX XXXX made TWO additional inquiries to my Experian credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. 

XXXX  XXXX XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account named XXXX BANK with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments 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 2021-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase Branch in the amount. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX XXXX  XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One Bank transferred my IRA account to XXXX XXXX XXXX as of XX/XX/22. I received notification through the mail from XXXX XXXX that this had been done. I called Capital One IRA department and spoke with XXXX ID # XXXX on XX/XX/22. He claimed that Capital One is phasing out IRA 's however nothing online confirms this in fact the contrary. He also said Capital One mailed notification that they would be transferring my account. I did not receive this mailing. I am trying to call XXXX XXXX which disconnects you and has unreasonable call wait times. I still can not reach them. I like to know how it is legal to transfer an individuals funds without their consent. If I did not respond to the notification then my funds should have been returned to me. I would like to know what law gives Capital One authorization to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CITIBANK, N.A.
State: IL
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:
In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.

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 2022-03-03
Company: Persolve, LLC - Legal - Series 2
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX  She stated that XXXX  XXXX XXXX has been sold. I did not give XXXX permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at XXXX if i wanted my information I would have to buy it back from persovle legal which I found rude as well as her attitude. All Im asking is that they settle this mess with persolve legal. I just this collection gone off my credit not in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: ALLY FINANCIAL INC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: VA
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:
Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights.

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states that consumer reporting agencies can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation