BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/23, I made a purchase at Jareds in the amount of {$3600.00}. The store sales representative confirmed that the purchase would be applied a promotional rate of 0.0 % for 12 months. I agreed to this and made the purchase as this is something that I have done in the past without any issues. 

Since then, my payments were setup for automatic withdrawal from my checking account and there havent been any issues or communication other than emails confirming the payment due amount and date. There have been no emails informing me of statements or notifications of when the promotional rate was ending. 

Recently, I was getting ready to pay off the balance because I knew the XXXX deadline was approaching. As such, I logged into my online account and found that my balance was still {$3200.00}. This was a major red flag considering my payments were between {$110.00} and {$120.00} each month so I was expecting a balance closer to {$2500.00}. 

I immediately called the store to speak with my sales representative and she confirmed I should have received the promotional rate of 0.0 % for 12 months and asked that I called their credit card division of the company. I followed her request to which the credit card division said this was an error on behalf of the store and to consult with them. 

At this stage, no one is providing a resolution to the stores mistake and I have no one to turn to. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
I have been Notified my Bank ( XXXX  ) that New Activity on my crdit report, that I have opened a New Account as of XX/XX/2022. The lender reporting the new account opened on my name is XXXX XXXX, without my authorization. 
I consider this new activity as FRAUDULENT. Today I have already reported this Fraudulent activity to EXPERIAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. 

AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed. 

This furnisher is not following industry 's own XXXX XXXX Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Phillips & Cohen Associates, Ltd.
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: Public record information inaccurate

Complaint:
Received a letter stating I was deceased from Phillips & Cohen. Then the they reported that I was deceased to the 3 credit bureaus. This is fraudulent information and I am not deceased. I have enlisted the services of an attorney and will be filing legal action of Phillips & Cohen doesn't contact each credit bureau and remove the " deceased '' comment from my credit files. 

Additionally, I'd like to know where they got the information that I was deceased? 

This seems to be illegal collection activity in an effort to collect a debt. Very shady.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello. 

I've been a customer of Wells Fargo for about five years in DC. 

Recently when I called the automated line they asked me to say my name in order to record it and use it for identification/security purposes. I don't feel comfortable with that because I don't think it's respectful of privacy and I didn't. They put me through to a customer service agent on that call. 

About a month later I called again and this time their automated system would not put me through without me saying my name. This was never asked of me in the past five years. I managed to get through anyway by pressing zero about ten times and made a complaint to them about requiring my name to be said and about trying to get and use my bio-identity without my permission. 

I called them again recently to return the call of their rep who had left me a voicemail. I had deleted the vm by mistake and forgot the caller 's name and this time they required me to say my name before they would look at my account or before they would speak with me. I refused and asked to speak with a supervisor and the supervisor also refused to speak with me without me saying my name. 

She then tried to get me to say my name in a sneaky way, by saying she needs me to say it in order to continue speaking with me and when I asked her if it was for bio-identity purposes she denied it but she would not settle for me spelling my name. She also engaged in other mildly sneaky or disengenous behavior I feel. 

I am going to close my account because this is a dealbreaker at this point but I find it hard to believe that this kind of behavior is legal. 

I would hope that you will prosecute them if it's not legal behavior. Would you please inform me whether what they are doing is legal or not? 

Thankyou very much, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with equifax XXXX and XXXX. XXXX has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile equifax falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and equifax doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did Equifax make a decision before XXXX. Equifax closed their investigation XX/XX/XXXX meanwhile XXXX made their decision XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX Opened XX/XX/2021 XXXX : {$700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We received our XXXX XXXX XXXX statement by mail on XX/XX/2019 and I immediately payed the amount of the bill ( {$95.00} ) via our online banking account with XXXX XXXX XXXX. I called XXXX XXXX and they verified that a check for that amount ( {$95.00} ) was sent by XXXX XXXX to XXXX  XXXX  on XX/XX/2019 with expected arrival no later than XX/XX/2019. The due date on the statement was XX/XX/2019. Please note that the due date was only 10 days from the time I received my statement and that most credit cards give you closer to 21 days. 2-3 days ago we received another statement from XXXX XXXX XXXX showing a late fee of {$27.00} and a finance charge of {$2.00} because our payment was not received until XX/XX/2019, 17 days after XXXX XXXX had mailed the check. When I spoke to the XXXX XXXX " customer service '' representative, I was told that they had no control over mail delivery and that we must pay the fee and interest charge. We had a similar scenario with a different retailer, but same bank, about one month ago. After much time and effort they grudgingly waived the late fee.After going online, I found that there were multiple similar complaints against XXXX  XXXX and their tactics. I think they are running a customer scam to collect late fees. Please help! Thanks. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I went in-branch to open a checking account and they assured me that they could match {$600.00} bonus offered online. XXXX XXXX  XXXX I checked via online messages and they said I qualified repeatedly. I still wanted to make doubly sure and then they said no. It seems the in-branch person was misinformed or misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on XX/XX/22. They sent me the documents to approve prior to closing but the amount of the loan did not match up with the cost of the home, land, and closing costs. At first, I was paying {$2500.00} more than the loan was supposed to be because they didn't give me credit for the earnest money I had put down on the land and home. After they corrected this, we were still {$500.00} over what we were supposed to be financing. I reached out to XXXX XXXX at Triad multiple times to have this corrected but I was ignored. Triad told me I would have to pay fees if I missed the closing so I was forced to close on the home with the mistakes present. 

The loan is also another {$4000.00} higher than what everything was supposed to cost. When I asked the bank about it, they told me the {$4000.00} was for points to bring down my interest rate. I asked them to add it in to the loan documents so the points showed as part of the loan but they never would. Finally XXXX XXXX informed me that they had to be creative on the loan and show on the loan paperwork that we paid {$4000.00} more than we actually did so the bank could get the money for the points. He said he didn't have a way to legitimately add the points in to the loan. This is upsetting for me because they won't provide me any documentation for the points so I can get a tax break. It feels like they basically stole the {$4000.00} from me. They are at the least collecting extra money for something that wasn't in the loan documents. 

Also, when it came time for us to release the final draw to the builder, we let the bank know that everything was not completed properly and that money was still owed to vendors because the request we signed stated that the home had to be 100 % completed properly and everyone involved had been paid. We told the bank we would be lying if we signed but they wanted us to sign anyway. I spoke with XXXX XXXX at Triad about the issue and he said he was worried the builder would not be able to keep all their money if we didn't sign, so we were forced to lie and sign the document anyway with the alternative being that we would eventually default on the loan if we didn't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed for a small personal loan through what a I thought was a legitimate loan company " XXXX XXXX XXXX '' based out of California. I received a telephone call from the " representative '' clarifying the information on the application. In going over the information, the representative stated that he had my bank password, which he proceeded to tell me. Surprisingly, he did in fact have my password. At no time, did I provide my password to him. He transferred money from one account to another, making it appear that the loan was granted. However, TD Bank is stating that fraud was not committed as they are stating that I willingly gave the password to the caller and authorized the three separate transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a Veteran, I purchased a home in XXXX Texas. Wells Fargo held the loan. After 7 years of on time payments. I was unemployed. I was entered into a Wells Fargo Loan Modification program. Within 3 months, I was in Forclosure.

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 2019-03-11
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I submitted the following information to Equifax. 

Equifax XXXX XXXX XXXX , XXXX 
XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Consumer Center in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Bankruptcy Chapter XXXX in XX/XX/XXXX and Bankruptcy Chapter XXXX in XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Consumer Center and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identify Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX I received notice from Equifax that the information was verified with XXXX XXXX however I have a current freeze with XXXX XXXX  which would make that not valid information. Therefore request that this be investigated and the bankruptcy be removed from my report. I have attached documentation to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Continental Finance Company, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reporting twice on my credit reporting once through XXXX WITH XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX of XXXX covid happened they would not work with me and charged late fees consistently which is considered information to character and livelihood15 USC CODE1681e compliance procedures 15 USC Code 1681 0 civil liability for negligent noncompliance 15 USC 1681n Civil liability for wilful noncompliance

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