BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXXI opened up an account with XXXX XXXX with XXXXXXXX XXXX, with a deferred interest plan and made a purchase of {$8400.00}, I later made a second purchase onXX/XX/XXXX for {$1000.00}. I was making monthly payments of the amount I was originally instructed to pay. OnXX/XX/XXXX I had a remaining balance of {$1700.00} for the first purchase and {$750.00} for the second purchase, and I was charged the accrued interest of XXXX. The only information about this upcoming charge appeared on the statements online, not the emailed statements. I should have received an email statement including the balance, as other emails from this account have included the current balance. The online portal also lists no information about the deferred interest due date, and is only available with downloading the statements. There is also no way to view the Credit Card Account Agreement online, as referenced on the homepage. This vital information should be readily available online. Had I known about this charge I would have paid it off at once. When this charge occurred on XX/XX/XXXX I did not receive any statements until XX/XX/XXXXreflecting this new balance. I called instantly and no one was able to help me, and was told it could only be disputed within 3 days, but was not made aware of this charge during the 3-day period. I then spoke with a manager where I offered to completely pay off the original balance in lieu of the finance charge but he stated that was " unfair to the other store accounts ''. The only step he said I could take would be to send a letter to dispute the claim. I sent a letter on XX/XX/XXXX but have still not gotten a response. This delay in contact or resolution is ultimately allowing XXXX to accrue more interest while I am disputing this claim. XXXX XXXX also did not allocate the entire amount over my minimum payment to the balance on which interest was deferred during my last two billing cycles/payments preceding the expiration of the deferred interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I pulled my Equifax credit report and come to find out I have over 50 hard inquiries and I don't have no way in my life where they come from here are the list of them ... XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ..XXXX XXXX XXXX XX/XX/XXXX .. XXXX XXXX XX/XX/XXXX..XXXX XXXX   XXXX XX/XX/XXXX..XXXX XXXX/XXXX XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX all are from this one company it don't make since..XXXX   XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX   XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX sorry for long history I just want to get this remove off my credit report asap because it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Manhattan Beach Venture, LLC
State: TN
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 told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days

Company response to consumer: Untimely response
Consumer complaint received 2021-02-12
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting SYNCB/AMAZON PLCC Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2017-12-07
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times t discontinue threatening me at work with legal Acton and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the response to my complaint, BBVA-Compass stated my mortgage was discharged XXXX XXXX, 2014 because my account ( # ... .XXXX ) was 133 days past due. 
I dispute the claim that my account was 133 days past due on or about XXXX XXXX, 2014. Copies of checks which indicate that my mortgage was current at the time BBVA-Compass discharged my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX From : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; Home Tel. XXXX To : Consumer Financial Protection Bureau Ref : Wells Fargo Credit Card No. XXXX XXXX XXXX XXXX ; Unable to Get Hard Earned Reward Points Dear Sir or Madam, Wells Fargo ( WF ) bombarded us with the WF Credit card applications. We were not interested in more cards. Finally, I applied for it and start using the card to get the rewards as promised 5 %. On XX/XX/XXXX, XXXX ( XXXX Nevada ) told me that my rewards will not be at 5 % ( only for 6 months a fact concealed nicely ). She also told me that reward points will expire on XX/XX/XXXX. This came as a shock since WF did not state this during the application process. I then asked her to send me a check of the remaining reward points ( balance about {$20.00} ) and then cancel the card. She refused to do that since the reward balance is less than 25 can not be given. I stated that this is a special case in that WF lied to trap me, or at least withheld important information. Further, she told me that cancelling the card will forfeit all the reward pints. She then said that someone from the executive office will call. 

On or about XX/XX/XXXX, XXXX XXXX XXXX called but refused to release my reward points ( ref : XXXX ). 

This is not fair nor it is legal to deceive customers by perpetual cajoling to get their card and then not pay the reward legally earned. It appears that WF is still involved in unethical and shameful practices. Dishonesty is deeply ingrained in WFs culture. We are helpless senior citizens and ask you to assist us in this matter. All we are asking is to get our earned rewards. 

Sincerely yours, XXXX XXXX Home : 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 non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. XXXX  could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted Experian, XXXX  and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. 

In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. 

I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. 

I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. 

My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Blitt and Gaines, P.C.
State: IL
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:
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: World Omni Financial Corp.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! 
On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Date county taxes are due XX/XX/20 Delinquent date XX/XX/20. My Morgage company always waits until delinquent date to pay mortgage. They need to pay it a few weeks prior so I that a delinquency fee doesnt show up on the county website! The fee is reversed however they shouldnt be paying it last minute so that a fee is even shown on county website. I have talked to them prior about issues however they dont seem to care that they wait last minute until a delinquent fee is shown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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:
I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs TransUnion, XXXX and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas XXXX XXXX XXXX Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.

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 2018-10-05
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.

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 2020-06-05
Company: EQUIFAX, INC.
State: FL
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:
See attatched XX/XX/XXXX Letter from Equifax CONFIRMING : We recieved your request concerning your Equifax credit file. We are unable to locate a credit file for one of the following reasons : 1 ) * You may not have a current file.2 ) * You have not applied credit recently. * 3 ) You have not actively used credit in the past ten years. EQUIFAX MAINTAINS CREDIT FILES MAINLY ON US RESIDENTS. ** I HAVE NEVER BEEN OUT OF THIS COUNTRY IN MY XXXX  YEARS ON EARTH however XXXX XXXX Accessed my XXXX account XXXX. ** I had a credit file?? WHAT HAPPENED TO IT?? XX/XX/XXXX XXXX Alerted me XXXX XXXX Accesed my account.. Was it me I ANSWERED NO. XX/XX/XXXX UNAUTHORIZED TRANSACTIONS APPERRED ON TWO CREDITCARDS. XXXX  & XXXX FTC ID Theft Report is case XXXX. I WAS PART OF BREACH NOW NO FILE????? DID EQUIFAX BREACH CAUSE THE ID THEFT ON TWO CARDS?? IS ALL MY PRIVATE DATA ON DARK WEB TO FRAUD ME MORE??? Elderly XXXX American Citizen TARGET BY PROFILE ( * NO PROTECTION FROM CRIME. Please hear me " I CAN'T LIVE ''!! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting illegally obtained information on my credit report. HIPAA prohibits the release of information without authorization from the patient. Attached is the document sent to me by XXXX XXXX XXXX in which they have line by line accountings of procedures & additional information in regards to my medical visit which by law should only be released to my physician. 

If these two items from XXXX XXXX  are not removed immediately I plan to pursue this matter in court to the full extent of the law. 

REMOVE IMMEDIATELY

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