BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Bread Financial Holdings, Inc.
State: FL
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 have spoken to my bank to verify that the time I allowed for the payment to reach the company & be posted should have been sufficient. It always was when XXXX serviced the card. But for some reason, this company can't seem to credit my account in a timely manner. Over the past approximately 2 years, I have no idea how much I've paid in late fees or how many times I've called & couldn't speak with anyone who spoke English. I have cancelled this card which I probably had for XXXX plus years. I scheduled my payments on my bill pay app through my XXXX XXXX. I am on a fixed income. I live from paycheck to paycheck. Somewhere between when my check goes to this company and the time they post it, it seems to go in a black hole. The statement always says, " Mailed payments must reach us by XXXX XXXX  on _____ ''. I instruct my bank to place them in the mail on a date certain which should be well within the date certain. Many times my payment would show a credit date 15 days or more late. I spoke with employees of my XXXX XXXX about my frustration. This was the only credit card that I had that problem with. I have closed my account with this company, but prior to this I tried repeatedly to get this resolved. I was never able to speak with anyone who had the authority and the understanding of basic English to help me come to any kind of understanding or acceptable resolution. I bet that over the past 2 years, I spent at least {$500.00} in late fees when I hadn't had {$50.00}. in late fees in XXXX years. My bank has the records showing when they were to send payment & when they did send it as well as the dates the checks were cashed. I don't know how to attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.

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 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital One has taken advantage of me solely and personally because they have sent me letters and a numerous postcards stating that I am now approved for credit pre-approved and all and so I would go back on there and fill out another application and which pulled another hard inquiry and I don't know much about credit but I'm knowing a lot about it now but I think it's fully and solely taking advantage of me and it's against me a minute and I I already discussed it with them and they said they would take it off there and they have it all the hard inquiries from them and they leaked out my information anyways I don't even think any of most of them are for me thank you I'm trying to build my credit I'm really trying hard I thought I was approved pre-approved at that when I did fill it out one time that I remember

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collector from USI Solutions in XXXX XXXX, Pennsylvania, called my office and attempted to get information regarding an alleged debt of my fiance. The caller gave my office personal information and names. The caller than attempted to call my personal line. I told him I knew nothing about it and asked him to stop calling my personal number and to stop being aggressive and inappropriate with my office that I and they knew nothing about the matter. In a very threatening tone he then told me that he could and would continue to call anyone he wanted to in an attempt to find the individual he was trying to locate. My fiance supposedly even though it is a very common name. He said I had been " listed '' as a reference which I don't believe to be true and he made statements such as that he knew I had " passed along '' the information and that we needed to " stop dodging '' his phone calls. All of this is completely inappropriate and upsetting and I feel very intruded upon and was threatened with further harassment both personally and professionally regarding a matter I know absolutely nothing about and to which I have no legitimate connection. The calls originated from 2 numbers : XXXX and XXXX. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2019I opened a checking account at Wells Fargo Bank based on a promotion that said that with a direct deposit every month or a certain number of debits per month, a credit of {$400.00} would be entered into the account. 
I arranged to have my $ 1500+ pension check direct deposited to the account. I called in XXXX to follow up the credit and was advised that I would see it in the account by " mid-XXXX ''. 
When I followed up in mid XXXX I was told that it would go to a senior account manager and I would receive a call.

Within the last couple of days I was advised that there was an additional requirement that was certainly not visible on any of the literature that I had seen that there was an additional requirement for a multi month history of a much larger deposit that I had not met. 
The practice seems to have been deceptive at best to have presented one direct deposit requirement at the outset, have advised in XXXX after 5 months paying no interest on a substantial balance that the credit was imminent and then finally ( after 7 months of having the account ) to advise that there was a second direct deposit requirement. 
It certainly feels like a bait and switch 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 explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: GA
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:
Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached my complaint as a signed PDF. The Bank of America is systematically taking my money and holding the money to be applied in the future and meanwhile charging me interest on amounts already paid. The Bank of America currently has charged me extra interest in excess of {$740.00}. 

I have two other outstanding complaints thru CFPB. One I have heard only that the Bank of America needs more time, and I have no response on the other complaint. The Bank of America has failed to respond to two letters. I have opened numerous cases without satisfactory resolution of them. I have sent electronic messages and have not received proper response. The Bank of America resolution specialist has failed to address any of my requests and has falsely accused me of not discussing my concerns.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both 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 explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, 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:
I have a charged off account with XXXX XXXX. They are reporting numbers that are not only inaccurate but impossible. They are reporting that I have a {$4700.00} balance but that only {$4000.00} of it is past due. This account is almost seven years old so it is impossible that the entire amount isn't " past due ''. While this might seem like subtle distinction, the FCRA is pretty clear that information must be accurate or removed. Now of course I'd like it if they would just remove the whole thing because it's inaccurate, but at he very least they should correct it. 

XXXX XXXX told me this is a bug in their system and on that basis I believe this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX each time for XXXX years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. 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 2023-11-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with XXXX. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are XXXX XXXX XXXX and XXXX XXXX XXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, XXXX and Equifax, in collaboration with XXXX XXXX, has consistently verified inaccurate information through the CFPB dispute process. 

I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my XXXX and Equifax credit reports raises serious questions about the accuracy and reliability of XXXX 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. 

I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. 

I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that XXXX will take the necessary steps to rectify this situation promptly. 

I filed cases with the CFPB regarding this on XXXX to both XXXX and Equifax and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. 

Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX of XXXX I purchased {$6200.00} on my Home Depot consumer credit card with a promotional offer of 24 months no interest. At the time, I had a balance of {$1700.00} originally purchased on XX/XX/XXXX ( original amount {$2400.00} ) due on XX/XX/XXXX All of the purchases in XXXX were erroneously put on a 6 month interest free promotion. I was told " Don't worry about that, it will get changed, but it could take 3 billing cycles to show ''. 
Beginning in XX/XX/XXXX, my payments were being applied to the " Earliest terminating promotion '', which was a balance of {$950.00} applied to my account on XX/XX/XXXX. This was supposed to be part of the 24 month promotional purchase. In subsequent months, they continued to apply my payments to the balances that had not been correctly moved to a 24 month promotion. Between XX/XX/XXXX and XXXX of XXXX, I made {$2800.00} in payments, which more than satisfied the balance due by XX/XX/XXXX if {$1700.00}, however, because they applied the payments to the incorrect balances, they never applied payments to that promotional balance. Subsequently, they charged me {$1500.00} in deferred interest in XXXX of XXXX, and moved the erroneous balance to a revolving balance which accrues at the rate of 25.99 % In all, I was charged {$1900.00} in interest in XXXX and an additional {$140.00} in XXXX Despite being told repeatedly it would be fixed, nothing has happened. 

The mistake was clearly theirs, however they are refusing to credit my account the interest that never should have been charged. How can this be legal? 

I have attached 4 statements : XX/XX/XXXX showing the purchases and previous balance XX/XX/XXXX showing the interest charged XXXX showing total interest charged in XXXX XX/XX/XXXX showing interest charged in 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 2023-11-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions. 15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. Release or Satisfaction of Mortgage executed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, husband and wife in favor of American General Financial Services , Inc., given to secure the original principal sum of {$20000.00}, dated XX/XX/2007 and recorded on XX/XX/2007 in Official Records ( book ) XXXX ( page ) XXXX ( instrument ) MG 2007 XXXX XXXX XXXX XXXX XXXX New Jersey. 
NOTE : This Mortgage is an Equity Line Mortgage. A full satisfaction of same, together XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/18 I got a deposit from accident Between XX/XX/18 they close my account for no reason And made up false accusations At 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 explanation
Consumer complaint received 2019-07-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX filed an eviction against me and my family after refusing to accept the rent for that month.Saying that we did not pay rent the month before.I sent in the rent receipt to courts proving they lied, they said no rent payment for present month sent in copy of money order in which they refused to accept and full rent amount.instead they demand the keys we forward all proof to courts in our response to eviction answer the Judge only ruled us to vacate property we didn't turn money into court register because they wanted keys and us to vacate The judge did not rule any funds owed to XXXX and closed the book on that no open judgements owing them anything. they kept our {$1400.00} deposit. we lived in a badly molded home which we should've never been there to began with never missed a month paying rent. Now they have their collection company Hunters Warfield harassing our credit reports for $ XXXX and the judge did not rule us to pay no $ amount to them. I have called the Clerk of Courts to see if they had anything that was ruled by the Judge for  us to pay and they says no nothing at all and the final Judgement is closed. we also forward the courts a copy of the emails sent to us from the property manager was demanding the keys over the money order for rent that month then they filed eviction saying we did not pay our rent they should have stated the truth that they didn't accept the rent money order. they had no reason to have treated us this way we feel very discriminated against and now harassed for $ XXXX dollars by their collectors Hunters Warfield and for what? We forwarded documented proof to the judge.so where is the open judgement of owing $ XXXX on our records? There is none Exactly we are being discriminated against why?? There was no reason for them not to except our rent payment why did we have to be treated so differently and still is with Hunter Warfield reporting to our credit reports. then lied to evictions courts 100 percent. still being discriminated against through Hunter Warfield this is so senseless. but we will get justice served by all legal means necessary. ( smile )

Company response to consumer: Closed with explanation