BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX XXXX/Comenity Bank reported a late payment past due 30 days on my credit report. I had no idea that I even had a balance on the card. I thought I had already paid the balance in full. So for two charges in XXXX totaling {$63.00}, I had to pay late feels totaling {$64.00}. I have had this problem with XXXX XXXX before ( XX/XX/XXXX ) because they do not offer auto pay as all other credits now offer. I've requested auto pay services from them several times to avoid this type of situation and they always say they don't offer it at this time. Comenity actually had to refund me late fees previously because they mistakenly charged me for balances already paid. Once again, I have a negative delinquency on my credit report from XXXX  XXXX for an amount that could have easily been paid in full if XXXX actually made the effort to call me and let me know that there was a balance on my account that was past due. They send statements via email as I opted for paperless statements but since I thought I had no balance I didn't look at the statements thinking I was free and clear. Comenity has been quick to charge exhorbitant late fees on top of the 24.99 % APR that they charge on purchases without making the effort to call me and bring this issue to my attention prior to reporting to credit agencies which will impact my credit for years to come for a negligible amount of money that could have been paid in full if they made the effort to call me prior to reporting delinquency. I have had this account open for 13 years since XXXX and the balances have always been paid, even if over time but they have been paid in full. Comenity continues to take advantage of consumers by refusing to institute auto pay, not making effort to call consumers prior to reporting to credit agencies. I will no longer be using my J. Crew card as the only reason I used it was for discounts but TWO marks on my credit history on top of late fees and high APR erases any benefit of discounts when using the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
1st Equifax 'NEVER ' gave me my complete credit report even after I contacted them telling them it was incomplete. They further closed the case against them with CFPB knowing they had not fulfilled giving me my complete credit report. 2nd After contacting Equifax 's CEO XXXX XXXX and informing him of all the problems I was having with his company, Equifax lowered my FICA Score from XXXX ( the other 2 credit reporting agencies have my FICA Score as XXXX ) to XXXX. No one who uses Equifax is either going to give me any credit or are not going to give me favorable rates. This is retaliation for reporting Equifax to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I financed my mortgage with XXXX XXXX XXXX through XXXX XXXX XXXX. My closing disclosure showed my monthly payments to be in the amount of {$1400.00}. The forms signed at the title company on my closing date of XX/XX/XXXX included my First Payment Letter showing that same amount of {$1400.00} to be due on XX/XX/XXXX. The booklet with monthly mortgage dues also showed the same amount. 

I received my first statement from XXXX XXXX XXXX in XX/XX/XXXX for first payment due on XX/XX/XXXX. The statement showed a payment due of {$1600.00}. I immediately contacted the company to question the amount and they advised that they would verify and get back to me. I had to call them back several times to follow up as I did not want to be in default but no one could provide me a straight answer on the difference in amount from my closing disclosure and the statement. I was set up online and went ahead and made my first payment in the amount of {$1400.00} and advised them that I would be paying the amount shown on my closing disclosure until I would get an explanation on the discrepancy. One person would say they calculated it incorrectly during the closing, another person would say the escrow changed. I finally got a hold of XXXX XXXX XXXX who was able to get me to the manager and the manager 's  explanation was that there was a glitch in the system. I refuse to accept that explanation and I went by my closing disclosure 's amount to budget my bills. On my XX/XX/XXXX statement, they applied a credit of - {$200.00} to the total, bringing the new amount due to {$1400.00} which is the amount originally shown on the closing disclosure. I thought that maybe they fixed the problem but on my XX/XX/XXXX statement, the old amount due of {$1600.00} was showing again. 

To avoid additional taxes and fees, I have been paying the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX has been calling our home telephone number repeatedly to collect a debt that is not owed by us. We have asked them to remove our number from their list and stop calling us, but they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and disputed these things on my credit report and I have let them know that this information is incorrect. I also have sent multiple letters and the issue is still ongoing. These accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2018-08-20
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has been placing monthly phone calls to my home about a balance due on a flexible spending credit card that was fraudulently opened in my name since XXXX of XXXX.The balance of the account was in the amount of $ XXXX.They have never sent a bill to my home, thus I assumed the calls were phishing calls.XXXX has now turned the account over to a debt collector and has reported the debt to the credit reporting companies. I called XXXX on XX/XX/2018 and wrote them in the mail on XX/XX/2018 to ask them to send me written confirmation that I am not responsible for charges on this account and to take steps to remove information about this account from my credit files.I sent them an Identity Theft Report and proof of my identity. During my phone conversation with XXXX XXXX I was told that they could not give me any information about the account because the account was turned over to XXXX XXXX XXXX. They connected me with XXXX XXXX XXXX and the person I spoke with said that any information I gave them would be used to attempt to collect the amount past due.I told them that I did not open or authorize this account. I also told them that my credit reports listed a fraudulent prior address. I have not yet heard back from them about this matter.

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 2018-08-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my student loans with Navient XXXX and I was on a Pay as you Earn repayment plan. There was some issues with my taxes and my wife 's income increased for a short period and was then gone. I had to recertify and went through process and tried to explain that I no longer have the income reflecting. I recently had a number of my loans forgiven due to issues with the XXXX XXXX XXXX and think it has something to do with it. Navient deined my request for an adjustment and have sent me a number different reasons with little to foundation. I am unable to pay these loans and will soon be in default. One of the denial letters states that my loans were opened in 1993 when I was just XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Southwest Stage Funding
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2020 I attempted to make my normal monthly mortgage payment through the lender web portal with XXXX XXXX XXXX Southwest Stage Funding , LLC. The payment came back " denied by bank. ". I called my bank and explained the problem but they assured me the problem wasn't on their end and there didn't seem to be any issues with my account. I called the lender back and explained this however they said they could not fix it since now my account had a block on it due to attempting to make repeated payments. They also said that they were showing invalid account number on their end which is bull because I had just spoken with my bank prior to calling them to make sure I was inputting the correct ACH info ... which was saved anyhow under my XXXX  XXXX profile and had been for over six months. They then said that they would have to mail me a form to fill out to unblock my account and that I would need to mail them a check or other form of payment since they don't accept debit cards. I was pretty angry but did as instructed. I had a cashier 's check for {$930.00} drawn up at my credit union and then sent it certified mail to the address Southwest Stage Funding gave me. This was done at XXXX on XXXX XX/XX/2020. It also cost me {$28.00} to send it two day Certified Mail. I called them as soon as I got home to request that they call me as soon as they receive and process it. It is now XXXX XX/XX/2020 and as of this afternoon, they are saying they still don't have it. The only reason I think that they are screwing with me is because I have an open refinance loan with a different lender at a much lower interest rate and monthly payment. I think they are giving me the run around on purpose. Something needs to be done ASAP. My payment has never been late and the same account info that is saved on their web portal is the same account info I have been paying with for the last six months without issue, on time. My payment will officially be late as of XXXX XX/XX/2020 and will incur a large late fee and a potential credit score hit all for  something that isn't my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20
Company: MLD MORTGAGE INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MLD MORTGAGE, NJ ... " XXXX XXXX XXXX  '' In XX/XX/2018 I engaged in the mortgage process for a home we have been living in. Everything went well then, of course. Credit, income, employment, etc ... Was approved in its entirety. XX/XX/XXXX I received a commitment letter and email stating that I was fully approved. The company between the commitment letter I received and XXXX had a " walk out '' that included several higher up employees, due to mal-practice if you will. I was told not to worry my loan would be handled accordingly. So I stayed with them, trusting I would be sitting at the closing table soon. Come XX/XX/2018 I received an email stating they are sorry but my loan had been denied. How could it be denied if there was commitment and full approval. They proceed to explain that its because even though I have been XXXX XXXX for XXXX ', my recent switch to XXXX XXXX XXXX XXXX was part of the reason. Also my income ... Even though after expense I have more than doubled my income from prior years. My credit score went up since I applied for said mortgage. They declined me on false reasoning and was told it would be placed on the uppers deck for further inside investigation. Well now I'm here. And I will tell you all to steer far clear of this mortgage company.

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 2019-06-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2015 I opened up a secured credit card ( XXXX limit ) with Wells Fargo. I had to sign at least 10 documents to open up this card and give them my XXXX dollar deposit. After sometime and with my account in good standing Wells Fargo decided to " upgrade '' my account to be unsecured without my permission or my knowledge. They said that they sent a letter notifying me of this upgrade and since I didn't respond within 60 days to decline this they then deposited my XXXX back into my account making my credit card unsecured. 

Around the same time as the incident mentioned above my life was altered by a car wreck and I had many unforeseen expenses. Of course I maxed my " secured '' card out during this time and when I went to Wells Fargo to close out my account they told me " Your account was upgraded months ago. '' Needless to say I was speechless and at a loss for what to do. I still can't understand how I had to sign 10 documents to open the account but not ONE to upgrade to an unsecured account! My whole point is that if I had known that my card was unsecured then I would have definitely refrained from spending the money. I asked Wells Fargo for an explanation and they said that since I did not decline the offer within 60 days that it is just like accepting it.

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 2021-03-25
Company: BAM Management US Holdings Inc.
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, Using binance.us/en/buy-sell-crypto, I purchased XXXX. I bought over the course of several days and mistakenly incurred a " chargeback '' ; I thought I had more in my bank account with US Dollars than I actually had. I purchased XXXX without keeping track of my starting value in the bank account. I expected that the system would keep track well enough for me, as I was not making purchases more than once a day. That was an honest mistake and it was my fault. Binance.us locked my account, not allowing purchases or withdrawals until the chargeback was taken care of. No negative account was visible ; I had to contact customer support and wait over a week to find that the corrective action was to deposit {$5000.00} US Dollars. After learning this, I made two deposits, one of {$200.00} and another of {$4800.00}, which satisfied the requirement. My bank account shows that the money was sent to Binance.us. I contacted customer support and requested my account be unlocked. I followed up by replying to a support ticket email numbered XXXX on XX/XX/2021 stating that I had made the deposit and requested the account be unlocked. I have had no response and opened another ticket numbered XXXX on XX/XX/2021. Throughout this period of time starting with the first support ticket opening, I have attempted to contact binance.us support through twitter @ binanceushelp ( my account being @ XXXX ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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 Experian, XXXX and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian/XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved 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
Consumer complaint received 2019-10-09
Company: Bread Financial Holdings, Inc.
State: WA
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:
XX/XX/2018 XX/XX/2018 XXXX XXXX No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/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 2018-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a letter in the mail advertising a {$300.00} bonus when opening a qualifying Fifth Third checking account. The fine print states that, to qualify, the account must have a balance of {$500.00} for 60 days.

I went into a branch to open this account, and I was told that the minimum balance is actually not {$500.00}, rather it's {$1500.00}. This was stated nowhere on the advertisement. It is an astonishingly misleading offer. I did not open an account, as I didn't have the {$1500.00}.

The bank is clearly lying in this advertisement, and the result is that I wasted 20 minutes of my valuable time. The bank needs to withdraw or modify this offer immediately. Either that, or it needs to honor the terms in its letter - {$300.00} bonus with a {$500.00} balance maintained for 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SUNTRUST BANKS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.

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