BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have the BestBuy Store card by Citibank. As of XX/XX/XXXX, I had XXXX non-payments no interest purchases, of which XXXX ended on XX/XX/XXXX. In my online account, it tells me what the total due is for each XX/XX/XXXX payoff balance. I was told by several of the bank 's agents that if I make an exact payment that matches the payoff amount of a transaction, the system knows how to pay that off. I had tried that several times and found that is not the case and called back over and over. On XXXX, I made a payment of {$92.00} ( the exact amount of one of my no payment no interest purchases ). I waited for the account to update, but it does not update in real-time nor before the end of the month according to the agent, I spoke w/because it wasn't wiping out that transaction in my online account. The female agent that helped said she made a note about that. She then asked if I was going to be paying off the other 2 outstanding. I had one that was under {$100.00} and one that was {$690.00}. I told her because the {$690.00} had the highest interest penalty, that I had planned to pay that one off for sure, she said that she told the system that a payment of {$690.00} was to be allocated to that {$690.00} promotional balance. A {$690.00} payment was made on XXXX satisfying the {$690.00} promotional balance, I called in on XXXX and spoke with a gentleman, who told me he sees a {$690.00} allocation 'trigger ' was set up by the last agent. That agent told me that I now actually only have one promotional balance unpaid on my account and that was the one that ends in XXXX XXXX for {$2100.00}. I did not believe the agent so I made an additional {$82.00} payment while on the phone with him. Now that the month ended everything came to light, except somehow 2 of my promotions are not paid off owing {$82.00} and {$10.00} or so, yet online right now it tells me I owe {$1.00} and XXXX cents. I just spoke with a regular XXXX agent who transferred me to a super named XXXX, who thought it was not Citibank 's responsibility to have his agents provide correct information and that everything falls on the customer, so I asked for his supervisor, he transferred me to XXXX, who seems like she understood the issue, could see where errors were being made and is providing me with a credit that should correct this issue. Here is the problem, Citibank does not provide or give customers any real-time data to know where money is going to, or what money is owed on a XXXX interest promotion, I think they purposely set it up so that customers can't actually pay things off to avoid interest payments, otherwise, why would such a large company like Citibank, not have a system that shows real-time and accurate allocation information to the customers. Something else is going on here and Citibank needs to be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2020 saw XXXX XXXX account reported which is not my account now there is two accounts both charged off and effecting my credit that i have no knowledge of opening or owning

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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:
My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
XXXX XXXX XXXX XXXX  Original creditor : Progressive Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXX via XXXX XXXX, INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX INQUIRY 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 non-monetary relief
Consumer complaint received 2022-10-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX I was going through a horrific divorce where by advise for my safety from attorneys was told to leave home till he is served XXXX. Two days prior he cut me off all bank accounts had no money etc, called Wells Fargo XXXX XXXX  Branch. to tell them whats happening and want to make it right. Meanwhile they refused to work with me said sorry going into collections. Beginning of XX/XX/XXXX received a letter from them stating they would forward this onto attorneys if I dont respond by XX/XX/XXXX. I called XX/XX/XXXX spoke with a lady told her story she confirmed all true and said I have every intention paying but want to come to an agreement and refuse to pay interest sense I did try to work this out to never get here prior. She assured me wouldnt be forwarded onto attorneys. Asked her next step she said she had to forward I got onto collection too see if they accept your terms and work out a repayment plan and we will get back to you. On XX/XX/XXXX and until than heard back nothing from them and there was XXXX notice via mail, phone, Text, email that they even came to an agreement to begin with nor that they would debit {$13000.00} on that date out of my account. I was NEVER notified again of either an agreement made nor they would remove on their own money from my account. Even made them very aware of real life crisis way before I was late way back on any payments and refused to work with me. Demand my full amount back in my account asap as had to cancel large payments already planned and prepaid as they never notified me as well as asked how to repay as I have a couple of accounts. That is fraud!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was doing a refi with Wells Fargo when the interest rates were low. I already have my loan with them. It took them 6 months to do my refinance. They then declined my loan. I have perfect credit and income. I am a single XXXX  that lives in a XXXX  development in XXXX XXXX. They would not even give me my appraisal refund back. I do have documents and emails from all my correspondence. It was to late to go to another lender because interest rates went up.

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 2022-06-28
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan officer XXXX from guaranteed Rates approved me to purchase a XXXX XXXX failed To Due her diligence duty to her client to get the loan approved. The underwriter stated it was a miscalculated causing me to loss my new home And my earnest money. Now me and my kids or staying with relatives but my home I was staying in is no longer available. I feel like it was discrimination because it was always something just taking me threw different loops. This loan officer and company should not be allowed to treat clients and families like this, especially when you trust them with your life savings to get a home to end up with nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I went to check my statement on my XXXX XXXX XXXX, which is through Comenity Bank or Bread Financial. There was an error stating that they were delayed with scheduled maintenance and the online site should be back soon. I was able to make a payment that day, but it hasn't posted in my account statement from the account I paid it from. 
I went to check my statement again as my payment is due on XX/XX/2022. I wanted to schedule my payment and needed to check my statement to figure out how much to pay. The website is still down, and it wouldn't even allow me to log in like it did on Sunday. 
I have tried reaching out to customer service and their phone lines are off. Comenity is responding on social media just saying that regular maintenance is taking longer, but they never warned us that there would BE any maintenance. 

I bank with XXXX and XXXX XXXX as well and there's always notice before they do anything that would limit access to accounts. 

Cards are being declined, payments aren't being processed, customer service isn't even available ( which is the alternative for payments ), and the social media presence is repeating the same thing. I am worried that their security was breached and my safety and information is at risk. 

My job also measures my performance based on how many of these credit cards that I sign people up for, but I am not comfortable offering a service that is unsafe and unreliable. 

As of XXXX minutes ago, the service is still down and there is no way to make payments. Comenity states that they will waive late fees if your payment is due today XX/XX/2022 with the cut off for waiving fees being XX/XX/2022. With how long it has been since their services have been completely inaccessible, there is no guarantee that anyone will be able to access their accounts by then. 

This is despicable on their part, and there should be some consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Auto Properties II, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my Navy chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on kelly blue book value. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Virginia, XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-28
Company: Frost-Arnett Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a letter telling me that I have a debt of {$140.00} to a company called FROST-ARNETT concerning a XXXX in XXXX. The problem is that I've never been to XXXX so I can't take out a credit there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Trident Asset Management, L.L.C.
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 experienced Identity theft in 2015. I reported the theft to all credit reporting agencies. I sent copies of police reports to all business that had been effected. This company Trident Asset Management I spoke with on the phone twice. They received police reports at that time. They are still reporting on my credit report, even after several disputes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 a victim of identity theft. I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-11-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : Ordered an item from Amazon using Chase Amazon XXXX credit card, order # XXXX. Amount charged to card {$110.00}. 

XX/XX/XXXX : Amazon reported " delivered to a safe place ''. We could not find it ; none of our neighbors could find it. A day or XXXX later a refund was requested from Chase. The credit card was credited {$110.00} XX/XX/XXXX or XX/XX/XXXX : A neighbor brought the unopened package to our doorstep. 
XX/XX/XXXX or XX/XX/XXXX : I emailed Amazon and advised them that I had the package. I authorized them to charge my credit card {$110.00}. 

XX/XX/XXXX : For various reasons I decided to have the item returned. Amazon accepted my request. 
XX/XX/XXXX : I took the unopened package to XXXX XXXX Department XXXX. Please see attached confirmation from XXXX XXXX Department XXXX. 

I am attaching credit card transaction records, return approval etc... ( a total of XXXX pages which seem self explanatory ). 

Bottom Line as I see things : There were XXXX charges for {$110.00} and XXXX credit for {$110.00}. Amazon acknowledged return of the package. Chase has received all of the above information as has Amazon. I am owed {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2024, Santander alerted me to potentially fraudulent charges on my debit card. I contacted Santander to confirm that the charges at issue were indeed fraudulent, and Santander subsequently cancelled the compromised debit card. Following this, I reviewed in close detail every charge made to my checking account, for as far back as the Santander website would display. I noticed for the first time a recurring monthly charge of {$19.00} to a company called XXXX, an online learning company. I had never even heard of the company before. I made a claim to Santander, and, after not hearing back from them days later, I called to ask for an update. They told me that they would not credit my account for the fraudulent charges, which amounted to at least {$190.00} because the charges were older than 60 days old, and that I should call XXXX to have them reimburse me. I called XXXX, and they were able to confirm that the charges made to my debit card were not associated with any account belonging to me, but they also refused to reimburse the charges. I called Santander again to inform them of this, and they reopened my claim. A week or so later, Santander determined that they would reimburse me only for {$39.00}, which amounts for only 60 days ' worth of the fraudulent charges, and refused again to credit my account with the remaining {$150.00}. Both Santander and XXXX acknowledge that charges to my debit card on XXXX 's website were fraudulent, but neither company will reimburse 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 explanation