BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
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:
This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting XXXX  # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a home equity conversion mortgage payment plan was drawn up and signed with Bank of America. FHA case # XXXX Loan servicing number : XXXX Name of borrowers : XXXX and XXXX XXXX XXXX 
Property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX The payment plan is as follows : monthly payments of {$1000.00} for 13 years expiring XX/XX/XXXX. 
{$29000.00} was set aside in a line of credit Over the years, this reverse mortgage was sold to XXXX XXXX company and XXXXXXXX XXXX. Recently, it came to our attention that the LOC seemed to be decreasing. Several phone calls were made to the XXXX to clarify the amount of money available. Each time we spoke to a representative we received misleading and conflicting information. Therefore, a complaint was filed with NYS Dept. of Financial Services on XXXX XXXX, XXXX Case # XXXX. XXXX XXXX ( XXXX ) recommended we file a complaint. According to XXXX, there was an error in calculating enough funds to make 13 years worth of monthly payments at origination. They accuse Bank of America of this error. Therefore, XXXX has been drawing funds from the LOC to make the monthly payments without our knowledge. We feel we have been misled and misinformed by XXXX. We depended on the LOC to live after we receive our last monthly payment.

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 2017-06-17
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was issued a  XXXX  card for my tax check to go on. So we also you for direct deposit for my husbands pauroll. We were staying in  XXXX   XXXX  Tn and the girl we were staying with  XXXX   XXXX  and her boyfriend  XXXX   XXXX  did our taxes on her computer. I found the information downloaded on a few different devices and hand written. She also traded a cell phone which had our info on also to a  XXXX   XXXX  and her boyfriend  XXXX   XXXX . We had it set up to send text verification code so  XXXX  and  XXXX  show up and take our phone home with them and get the code download our documents and return phone next morning. I have had credit inquiries that I 'm not sure about on  XXXX   XXXX  Discover Bank. On  XXXX   XXXX   XXXX   XXXX  and also on  XXXX   XXXX   XXXX   XXXX  also. I do not know if accounts were opened or denied. Please help me figure this out.  XXXX  and  XXXX  specifically said that they would be keeping an eye on our social security numbers. We have already had {$300.00} removed from our  XXXX  card.  XXXX  has made it good because I had documentation where he was working, police report. I just want to see what I need to do to protect my husband and I since at leas t 4 people have our SS #, DOB, thank you for you help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Experian Information Solutions Inc.
State: MD
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:
As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.

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 2022-09-10
Company: EdFinancial Services
State: CA
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 called EdFinancial twice this week in regards to getting a refund for payments I made since XX/XX/2020 ( the COVID-19 period ). They aren't able to provide any information whatsoever about the refund including but not limited to when the refund will be reinstated and when the refund will be granted ( other than a general remark that it may take up to 9 months, which is an incredibly long time for a refund considering that if I make a payment it gets processed from my account in a few days maximum ). Other very similar federal loan providers give timelines that are much shorter and much clearer in expectations, including XXXX XXXX which has had some people GET the refund back within a week. This worries me about whether I will be able to actually obtain loan forgiveness, which I very much do qualify for. I hope that this lack of sufficient preparation on Edfinancial 's part doesn't hinder my ability to get the forgiveness I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
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 paid {$2200.00} in interest last year. They reported to the government as being just {$900.00}. You can go through my statements and just add the interest. but on the form XXXX it is not correct. Feels like they are trying to pad what they are actually charging people vs what they send to the Gov. So they dont look like they are overcharging interest. <P/>Keep in mind all of my accounts have been current for the past 4 years. I make plenty of money to over pay these loans every month and I do ( XXXX+credit score ). Nothing is late, yet, upon logging into my account and viewing the documents they are sending to me XX/XX/XXXX i got my monthly billXX/XX/XXXX I got a final delinquency notice??? XX/XX/XXXX another document that says 8th delinquency notice??? XX/XX/XXXX Default notice??? XX/XX/XXXX Account adjusted- They decided to change my due dates without any kind of permission or request so that they matched up? the document does not clearly show what they changed and why. <P/>On all the delinquency material it says payment {$0.00} This makes no sense. I 've never gotten a call. I am afraid they have been XXXX me for a long time and I need help. I would be willing to fund anything I need to so this does not continue to happen to people that are not aware. <P/><P/>Any time I email support I get a generic email back with no way to continue a conversation or respond to follow up. I ask a question. They completely ignore it with a generic response and I am left with no solutions. Im not an accountant by any means so there could be and probably is more here that i am not catching. <P/>Interest seems to be calculated wrong. They forced me into all these forbearances years ago, said that i could not do income based repayment when I had almost no income they just called my cosigners and told them they were going to destroy their credit. It really caused a lot of family problems. My aunt decided to listen to them and take forbearances and now i pay 200 % interest over principle every month!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I called chime my online banker and reported that my account has been hacked they ask me to send over identification documents so I did I called the next day and there are no notes that I even called the representative tells me to send over the information again so I did she said it will take 24 to 48 hours to get access to my account. Two days later I havent heard from no one so I called again the representative does not see any notes or no what Im talking about so she has me send over my documents again the email address they have on file is the hackers email they never changed it. So I call again and again and again they tell me the same thing send over identification I did again and still no notes I cant pay my bills my account is suspended and its the third week now and I still cant access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/19 I was scammed in purchasing a concert ticket for {$50.00} using PayPal. The seller collected the money from me and didnt issue the ticket as promised. After that, the seller removed his/her XXXX profile that we were communicating through. After contacting PayPal, they told me to contact my financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
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:
MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.

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 2021-10-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I currently have an American Express blue card since XXXXwhich I have maintained religiously. Last two months I received an email that a platinum card in my name is approved and issued and it will cost me more than {$500.00} yearly. Since I dont have that kind of money and didnt apply for this card, I immediately called American Express and asked them not to issue the card. They promised not to send the card and with no effect on my credit score, but the card came anyway and my credit score went down from XXXX to XXXX. When I called a second time to complain about the arrival of the card and the damage to my credit, I was told to disregard the card and no solution was offered to the damage to my credit. My question is, whos benefiting in opening this account and drastically affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NJ
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:
This XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Paypal Holdings, Inc
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170000.00} XXXX XXXX  XXXX Balance : {$490.00}

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 2022-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo continues a recurring charge of {$200.00} weekly for the past 5 months after Ive informed Wells Fargo Ive never approved or have made any transactions with such merchant. I have informed Wells Fargo via telephone when spoken with them via fax and they the united postal service which Ive sent a letter informing them of such unauthorized uses on my account and to restrict such charges from the merchant by hello fresh. Wells Fargo continues to allowed such charges and is approving them without my knowledge or permission. Wells Fargo has failed to fallow their security fraud prevention in my account after Ive reported to them for merchants XXXX XXXX and XXXX charges along other reported transactions starting in the month of XX/XX/2021 also ignored my request to replace my debit card..

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 2022-03-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The SEARSXXXX XXXX account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.

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 2021-05-11
Company: EQUIFAX, 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 am writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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 recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to EXPERIAN XXXX AND XXXX only XXXX fixed the issues experian and equifax refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.

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 2018-12-07
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.

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 2022-09-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Wednesday, XX/XX/2022, I checked my mail, and there was a bank statement from TD Bank with my name and address. Since I do not now nor have I ever banked with TD Bank, I promptly contacted them to inquire about the account. The rep I spoke with told me I was the victim of identity theft and began guiding me on what I needed to do to ensure no further fraud occurred. She also told me the account would be forwarded to their fraud department and closed and that I would receive correspondence regarding the closure in 7-10 business days. 

After I got off the phone with her, I immediately began contacting all three credit Bureaus to implement safeguards on my accounts. I filed a police report with the XXXX XXXX Police Department the following day. Additionally, I went to TD Bank to ensure the account was closed ; and they did close it. The rep in the bank looked up the account and confirmed it was opened by the perpetrator on XX/XX/2022, using my correct social security number and DOB. However, the perpetrator used a fraudulent phone number and email address. 

TD Bank currently has a promotion where individuals can open new accounts and receive {$200.00}. Opening the new account can be done entirely online and does not require any credit checks, so I never received a prompt from my fraud protection service notifying me that TD Bank had opened an account in my name. 

My complaint is that TD Bank has no measures in place to prevent this type of activity from occurring again. Due to TD Bank 's negligent banking practices, I have now spent several days filing reports, locking accounts, and paying money on added security features. If TD Bank were interested in protecting against fraud, they would not have such lax security measures to establish accounts online. While the perpetrator is ultimately the criminal and at fault, TD Bank is equally culpable because they do not have adequate safeguards in place for potential victims of fraud. Additionally, their enticing promotions and the insufficient requirements to establish an account encourage criminal behavior -- they are begging criminals to be criminals.

Company response to consumer: Closed with non-monetary relief