BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: DISCOVER BANK
State: NJ
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:
first let me say i need all copies of complaints i made about discover card. i dont even read their responses. since they have gotten away with behavior that SHOULD be regulated but is not which is how i know you will continue to do nothing about my complaints. they closed my accounts which i had not used and i will not make any payments as a result of not getting help to which i was duly entitled. I have never seen a bank get away with the bullying, the discrimination they did and how difficult they have been that it would escalate to where its headded.. court. In a world where a good customer who calls and has a good payment history should be valued it is not with discover card. they bully disciminate and then when i made a complaint and asked for things to be done anyone else would have done in good will they closed the accounts. but no bank i repeat as ever lied, discriminated like they do and they think they can report me to credit when i dont pay since i got no help, when requested, was discriminated against etc. we will see. i will take needed steps to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: AZ
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:
The following accounts are fraudulent, unauthorized and not mine : XXXX XXXX XXXX/XXXX XXXX credit card account : XXXX, and XXXX XXXX XXXX credit card account : XXXX. I never applied for the accounts, so the accounts are fraudulent, unauthorized and dont belong to 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: RateGenius Loan Services 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the inaccuracies on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: The Bureaus, Inc.
State: NY
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 have asked The XXXX XXXX XXXX agency to take this off of my credit. I sent letters to all three bureau to take off my credit. They took it off and put it back on This is not my account Ref # XXXX NOT MY ACCT please remove! 
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX account # XXXX this account was taken off by XXXX and XXXX but they put it back on. XXXX  never took it off Please make all 3 agencies take this off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today, XX/XX/2018, I spoke with a Wells Fargo Bank representative. There were unauthorized transactions on our bank account. I disputed them, and read my email today. It said investigation was complete and I would get a letter explaining more about it. After checking my account, I noticed a credit of only {$22.00}, from Wells Fargo. Like I said earlier, I then called and spoke with a Wells Fargo representative. The agent noticed the amount was low, and said the amounts disputed were a few XXXX dollars. He referred me to a claims specialist. I spoke with a claims specialist, and she said, Wells Fargo can only credit the first 60 days of unauthorized transactions. The other amounts will take 45-60 days to see IF Wells Fargo can get it back. She said it is because it is through the Merchant directly, that is why it takes so long. I felt like something was wrong with that Picture? That is why I'm reaching out to you, so I can have my claim expedited. Still {$400.00} that Wells Fargo hasn't credited me back. Again, my email from Wells Fargo, did say, that an error had occurred on my account, from unauthorized transactions. Please help me, and Wells Fargo expedite the situation! 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 2016-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: SYNCHRONY FINANCIAL
State: CA
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:
When I first started XXXX XXXX in early XX/XX/XXXX, my XXXX   recommended CareCredit to finance payments ( a service provided by My Synchrony Bank ). I was supposed to have until XX/XX/XXXX interest free. I trusted that My Synchrony would not charge me interest, and I put my account on Auto Pay.

A few months ago, I discovered the bank had been charging me " Card Security '' fee every month. In addition, they were also charging me interest all along!!! " Card Security '' fees ranged from $ XXXX- {$40.00} dollars a month, and interest within that range as well.

I called the bank several times to get to the bottom of this issue. However, they kept sending me in circles. When I called the number on the back of my CareCredit card, they said that this so-called " Card Security '' service is not from the bank itself. They gave me a different number to call. On XX/XX/XXXX, I was finally issued a refund for {$830.00}. I never requested this service. They should have never charged me this " hidden '' fee. This is malpractice.

Adding insult to injury, the interest refund I received was only {$20.00}. It is the interest charge for XX/XX/XXXX ONLY. This bank has been charging me interest for years. I called repeatedly, and they have either ignored me, or manipulated me in an endless circle of talking to different people and no one can do anything. Every time I asked for a supervisor, they regurgitated the same old response " We will escalate this issue and respond within 5 business days ''. It has been months and I still don't have a simple response.

I learned through persistent calls that interest charges were associated with " Card Security '', and Synchrony Bank kept telling me they " couldn't remove those charges. '' Again, I never requested this service, and I was incurring interest charges for a service I never requested. I called " Card Security '' over and over again, and they said they couldn't do anything to remove those charges, and that the issue will be escalated. I received a call from a woman named XXXX  once or twice, who claims to be XXXX XXXX, and I have been calling her again and again. I could not get a hold of her.

This has been ongoing for over 1 month. I want this issue to solved without further delays from Synchrony.

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 2019-03-28
Company: EQUIFAX, INC.
State: WI
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:
Equifax reported inaccurate information on my credit report, and when I notified them they opened a dispute. I was then emailed that the dispute was resolved and was instructed to go online to access the file. The online system did not work and I used their chat feature to find a phone number to talk to someone. The phone number was an automated system in which they directed my concerns to their website that was not working. I finally figured out how to access a human and they opened my confirmation number, only to find out the case is still pending. There was no explanation to why I received an email stating the case was complete, and no reconciliation or assurance that it would be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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:
BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.

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 2021-07-12
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
On XX/XX/2018 I leased a truck from Ford credit for 36 months for a monthly payment of {$570.00} per month which INCLUDED my NY sales tax. Due to COVID there are no new trucks to lease so have to extend my lease. Now Ford credit is insisting I have to pay an extra {$49.00} per month for ny sales tax IN ADDITION to the {$52.00} I am ALREADY PAYING in my monthly payments. I have called several times, spoke to several people at Ford credit no one can explain WHY I have to pay double taxes and they have no written explanation. However they insist I have to pay it. I spoke to ny state sale tax authority and they told me this is completely wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Wells Fargo which was the preferred lender of the builder through which we are purchasing our new home. I have been told by the agent that the loan should be processed in two weeks from starting the process. I have always been very diligent about providing the required information and documentation. Almost six weeks later the underwater does not want to approve the mortgage because of some 'rules that are at his/her latitude '. I don't even know and haven't been told what the rules are, it could be that the underwriter is simply XXXX  or XXXX. They won't process the loan unless I sell my current residence, although the debt to income ratio is verified during the application and it is below the 43 % limit. The bank is very opaque to why they are asking for this new requirement and is asking us to provide a listing agreement weeks after we submitted them the required documentation. Essentially by dragging the process Wells Fargo is preventing us from purchasing a new home.

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 2018-02-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, Experian, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical XXXX  XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

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 2021-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  XXXX DBA USAA has been dishonest and deceitful to me as a consumer. They are charging me unnecessarily for PMI/MI on my home loan. In XX/XX/XXXX, I submitted a request for XXXX to remove the XXXX PMI monthly charge from my mortgage loan. XXXX sent out an appraiser who low balled me on the appraisal although USAA/XXXX  had completed a higher appraisal just a year prior for my refinance. On XX/XX/XXXX I sent a certified letter to USAA/XXXX  requesting a copy of the appraisal they used to deny removing the PMI. I also requested that USAA/XXXX remove the PMI because based on the calculations, the PMI should've been terminated from the loan automatically. I have not heard anything from USAA/XXXX and as of today, XX/XX/XXXX, XXXX is still charging me PMI or MI. 

According to USAA, my home is worth {$170000.00} vs what I owe {$100000.00}. 

As a consumer, XXXX has violated my rights and continues to charge unnecessary charges on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I signed a paper to have my credit checked but never agreed to a credit account. I already have a complaint against XXXX XXXX for opening up another account. I was in a timeshare presentation on XX/XX/XXXX, they ran my credit said I was approved for everything, but never mentioned I was getting a card or any line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: LendingPoint Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX I have a loan out with Lending Point now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. 

When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. 

After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. 

After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone calling him/herself XXXX XXXX XXXX has contacted me attempting to collect an alleged debt. I have demanded that XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX is authorized to act in loco creditore. XXXX has failed to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: NC
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:
I have been applying payments of {$50.00} per month. My balances all have different account numbers but when I requested to pay off the smaller balance of {$400.00} about 3 months ago they said the account was attached to another account with a larger balance of {$3000.00}. They said when I submit my payment it had to be distributed to both accounts and I can't pay off one before the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, TRANSUNION, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.

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