BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: OH
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 noticed that XXXX  was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and 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 2017-08-22
Company: TCF NATIONAL BANK
State: IL
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 an TCF fee free checking account over the phone on XX/XX/XXXX. I gave the representative the promo code XXXX and was told it would be deposited to my account after I met the necessary requirements. According to the terms and conditions it stated we will deposit {$250.00} into your account next business day following criteria verification. I still have not received the bonus after meeting the criteria of using my debit card for a {$250.00} purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX I spoke to Wells Fargo with questions about my existing HELOC home loan and during the conversation, the Wells Fargo staff person revealed to me that my loan was a rare " XXXX XXXX. '' I asked what a " XXXX '' loan was, since when the loan was originated in 2006, no one ever mentioned this term or since explained that I had been given this type of " rare '' loan, which calculates the interest rate in a way that I pay more than even the 9.14 percent interest rate. Wells Fargo did not explain to me why I was given this " rare '' higher interest rate product, and even though I filed a complaint with Wells Fargo in XXXX or XXXX, and they answered me in writing in XXXX, I still have no adequate explanation. 

Last week my husband and I visited a Wells Fargo branch in XXXX and spoke to staff about financial set backs we have had since Covid, and although our loan is current, we asked the bank to reduce our over 9 percent interest rate ( calculated daily or XXXX  ) and although we have good credit we were not given an option to have our interest rate reduced without an expensive refinance process, which would only increase our debt, overall. This home that is mortgaged is in a predominantly working class XXXX American neighborhood. I want to know what research is available as to how many XXXX were given rare " XXXX '' loans, versus XXXX, or homes in predominantly XXXX neighborhoods in XXXX. I want my interest rate reduced without refinancing to help with the financial setbacks we have had since Covid, and since my husband 's job is our main source of income and he is in the XXXX industry, I want to shore up our finances for what may be another storm coming. I want Wells Fargo to pay me back all the extra interest I was charged under the " XXXX '' terms, that were never explained to me when the loan was originated. I believe the " XXXX '' terms were exploitative.

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 2017-08-22
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ).
The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 took out a secured credit card for {$300.00} I paid on it until covid-19 then I had to make choices on buying food or gas I received a letter today XX/XX/XXXX the letter was supposed to be sent out XX/XX/XXXX when my account was sold I was supposed to be allowed up to 5 days to dispute them selling my account I just received the information today which is XX/XX/2022 I never received any information stating they were going to sell my account now is saying that I owe {$660.00} on a secure credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: PROVIDENT FUNDING ASSOCIATES
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue I have with the mortgage company is about PMI ( Private Mortgage Insurance. ) The loan is about ten years old, and I have been paying for PMI since the inception of the loan, and have made several attempts to cancel the PMI, but Provident Funding refused to cancel it. I have met every requirement that would allow this PMI to be canceled at least three years ago, and they keep coming up with all sorts of excuses not to cancel it. I have paid for two appraisals, and they still find a way to skew or devalue the value of the property so that they will not cancel the PMI. The original mortgage loan amount was {$300000.00}, and the current balance is {$230000.00} which means that the loan has been paid down by more than {$64000.00}. So far, I have paid more than 21 % of the original loan, and yet they refused to cancel it. When the loan was first issued, Provident Funding appraised the house for {$330000.00}. The last appraisal they did which I paid for was in XX/XX/XXXX, and their appraisal valued the home at {$260000.00}. What is funny about this appraisal was that housing market in XXXX and XXXX XXXX areas had fully recovered since XX/XX/XXXX, and the rate of recovery when their appraisal was done was between 85 % to 90 %. Based on the original assessment of {$330000.00}, and housing market having recovered close to 90 %, an honest appraisal would have valued the home close to {$290000.00}. However, that was not even my biggest concern, what got my very confused and depressed was that they completely ignored that the house received a substantial improvement which in my opinion would have valued the home in XX/XX/XXXX, at upwards of {$340000.00} based on what the value was in XX/XX/XXXX. See my attachment for more information regarding the renovations done to the property. Another thing that I was confused about is how I was told that the PMI would be canceled in XX/XX/XXXX, and when I called as I was told to do in XX/XX/XXXX, they changed their mind. They came up with this excuse that they did not know that the house they have a mortgage on was a two family home, and because of that, what I was told were the guidelines on PMI has changed. Funny, they appraised the property, took a lot of pictures, and they did not know that it was a two family home? Well, single or two family home, it does not matter to me, this is still my residence and has been for twenty plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX File Number : XXXX XXXX XXXX XXXX : XXXX XXXX {$120.00} Dear Credit Management LP, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
WELLS FARGO XXXX XXXX CREDIT CARD for the billing cycle XXXX/XXXX/XXXX to XXXX/XXXX/XXXX previous balance was {$750.00} payments {$300.00} new balance should be {$450.00} They charge me the interest of {$660.00} to make a new total balance of {$110000.00} How come they charge {$660.00} when my balance for that period was {$450.00}

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 monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX of XXXX, XXXX XXXX XXXX incorrectly reported that my student loans were in default. In XXXX I began the process of pre approval for a house, during this time I contacted Experian to correct my credit reports to remove the dispute status on my student loan. The problem was corrected at first but then due to repeat negligence with Experian the dispute charges remain on my report although the issue had been rectified with XXXX XXXXXXXX XXXX. After 7 months my credit score has not rebounded due to Experian being unwilling to report the proper information on my credit report. At this point I feel I need to pursue legal counsel, as this is delaying me being able to get a house. As a consumer I should not be at the mercy of a non governmental agency.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-20
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield collected payment from me when the collection was deleted from my credit report. I asked for a refund and they refused to send me a refund. A representative from Hunter Warfield informed me that they sent a notification to delete the items from my report but that was not true. There is also no written record of this. I sent a dispute to XXXX and after the investigation, XXXX delete HHunter Warfield from my credit report. I am requesting a refund for the amount of {$1100.00} that was paid on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX  In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL 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 2017-08-22
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello sir or madam, My name is XXXX XXXX. I had send check X/XX/2017 some how check was returned to our bank the check was applied to mortgage on X/XX/2017 was returned for non - sufficient funds. I send two check one for was late payment the other one was next mount. Than I call the mortgage company the lady on the phone I have paid right now than It was n't late fee will be involve. I made over the phone with my business check credit card. So far I have n't skip any payment they keep sending late payment notice. I call them this was a mistake unfortunately they do n't take seriously what I was telling them. I have I document that showing I had my payment. We ca n't make any progress. If there was a way I need to approach them please let me know. My contact number is XXXX XXXX XXXX email : XXXXXXXXXXXX. Loan company name is BSI Financial Services. Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account # XXXX opened XX/2009 Account is in open account in good standing balance is incorrect and account is not in collection. Account is current and their is no past due balance. Account is being handled by 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 2017-08-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I received my XX/XX/XXXX statement from Comenity Capital Bank I was charged a late payment charge of {$27.00} and Interest of {$53.00}. They said they received the Full Payment of the Statement Balance 1 day late. I asked them to send a copy of the envelope with the date stamped received. They said they do not save them. I said how do I know it was late then. They said to take their word. I told them I wanted these charge removed. In the last 16 months, they posted my payents an average of 3 days early. Please see attached worksheet. On XX/XX/XXXX, they sent me a letter saying they were waiving the late fee, no mention of interest. I called them XX/XX/XXXX to cancel my account.

Company response to consumer: Closed with monetary relief