BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I want to ensure I was not overcharged with my Wells Fargo auto, mortgage or checking/savings accounts between XXXX. I recently found out that Wells Fargo was liable for incorrect interest rates and overdraft fees during this time and was paying customers back for any overages. I'd like to know if I was impacted by these errors.

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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I entered in a consumer credit transaction with JPMorgan Chase Bank in XXXX of 2015. 

I have been making payments over the past five and a half years ONLY because JPMorgan Chase Bank failed to adhere to 15 USC 1692g. ( a ) and send me a written notice within the first five days following initial communication, stating that I had the option and RIGHT, as a protected consumer, to dispute the validity of the alleged debt. 

Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt, shall not be construed as an admission of liability.

To add insult to injury, despite collecting payments and interest over the past five and a half years over an alleged debt, JPMorgan Chase Bank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, JPMorgan Chase Bank never notified me of my option to opt out from the reporting process or gave instruction on how to do so thus further disregarding and violating my rights. 

All of this to say that the alleged debt was never mine to cover much less be defamed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A JC Penny credit card was opened in my name without my notice on XX/XX/XXXX. For some reason, payments were not made in XXXX and XXXX of XXXX. When the issue was brought to my attention, I quickly made payment and requested that the account be closed with immediate effect. Unfortunately, the late payment was report to the credit bureau on XX/XX/XXXX even though I was clear that I did not open the account when I had made the payment. 

I will appreciate it if this mistake can be corrected and deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: NC
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:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX/XXXX  account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

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 2022-09-01
Company: World Acceptance Corporation
State: AL
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:
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnionFraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2018-08-08
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of this year I received a promotional credit card offer from Barclaycard Ring MasterCard. The offer stated that I would receive a 0 % APR Interest rate on balance transfers within the first 45 days. It also stated that there would be a 0 % APR for 15-months on the balance transfer balances and new purchases. I received the first statement and I had been charged interest on the balance transfer. I was so busy that I just paid it to avoid any dings on my credit and figured I would call to resolve the issue before the next bill. Well the next bill came and it was much larger and I was still being charged interest. Not the typical monthly compounding interest, but daily compounded interest raising my payments substantially. I called the company to resolve the issue and they claimed that I didn't sign up for the offer for 15-month promotional period. I signed up to pay 10.74 % interest. This couldn't be further from the truth. I then went to  download the cardholder agreement and come to find out it's not online. You have to request a copy. Well if they're denying my offer and telling me that it wasn't the offer I signed up for then how should I trust them to send me a legitimate cardholder agreement. I never received the initial cardholder agreement in the mail either. The representatives we spoke with on the phone did nothing to assist in the situation other than deny what I was saying and telling me to send them the offer I received three months ago that has long since been thrown away. I tried to go to the old web page and it has been removed from the website with the exact same promotional offer the only difference being the promotional period of 12-months instead of 15-months. The  representatives were rude and wasted almost an hour of my time. They denied that any 15-month offer existed initially. Then they said well it did exist in XXXX and XXXX, but definitely not XXXX. I pointed him to the nerdwallet article I attached below and he claimed that it was outdated, but it's the offer I was mailed. There are plenty of other credit cards with 0 % for XX month promotional periods I could have applied for with a 3 % or less balance transfer fee, which would be a lot cheaper than 10.74 % compounding daily.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed these XXXX accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly

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 2022-09-01
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not given the loan terms when I applied for a {$1200.00} loan, then I was charged 653 %. I immediately notified MintoMoney to cancel my loan as I did not agree to the 653 % loan. I was than still forwarded the money after i told them i was not interested. The company began withdrawing money from my account weekly. I tried to ask for a buyout amount and they said i now owe over {$4000.00}. I need help as the company is not harrassing me and calling constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Checking account on XX/XX/XXXX to take part in their 30,000 XXXX XXXX miles promotion. 
The terms of this promotion was to spend at least {$370.00} on qualifying purchases within 60 calendar days of opening the account, and download the Citi Mobile App and login with my Checking account credentials. The XXXX miles were to be credited to my AAdvantage Account within 90 days of completing all required activities. 
I completed all activities on XX/XX/XXXX, well within the 60 days of opening the account. 

I initiated a chat with Citibank multiple times within the 90 days from XX/XX/XXXX to confirm I did indeed complete all required activities, and both times they confirmed I had. I asked when the miles would be credited and they said to wait the full 90 days. 

On XX/XX/XXXX, the end of the 90 days from completing required activities, I initiated another chat with CitiBank and they opened a Claim to investigate it. I waited 19 business days from that time to receive a response from the claim that said the " miles would be credited to my AAdvantage Account within 90 days of completing all required activities. '' Even though it was well past the 90 days at that point, and the missing promotion credit was the entire reason I opened the claim. 

I then called CitiBank and they again confirmed I fulfilled all requirements and opened another claim. 
I still have not received the Mileage bonus and am told I need to wait another 10 business days for the new claim to be completed.

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: EQUIFAX, INC.
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:
I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX-XX/XX/XXXX and before I was charged by " XXXX XXXX '' and total of at least {$380.00}. I had spoke with someone to cancel and it was never cancelled. I called and cancelled it again today. When XXXX XXXX switched to Citibank, I never agreed to anything from " XXXX XXXX ''. Back in XX/XX/XXXX, I received a letter from Citi saying I would received letter that I would receive credit of {$130.00} due to a similiar problem. It seems there is an issue with credit protection agreements and XXXX and/or Citibank.

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 2022-09-01
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan is with Sallie mae. On XX/XX/2022, I was put into a loan program and I have been making payments for 2 months. Today on XX/XX/2022, I was told that they were going to force me to pay more which I can not do and the payments they took didn't help my account now I am past due to a mistake made on Sallie Mae 's end. During this time i received a large amount or harassing calls which Sallie Mae told me to ignore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation