BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have filed two bankruptcies and from my understanding bankruptcies are supposed to clear all debt. Or the date is supposed to be paid for or cleared and for me to start over. Well look on XXXX and on XXXX  XXXX  and it showing open accounts and that the bankruptcy didnt pay certain things. So for me filing and paying for those fees of bankruptcies I just want whats right and cleared for me to start over. Thank you

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 2016-03-30
Company: HK Recovery Group Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good afternoon, I will try to make this account as short as possible, while also including relevant information. 

XX/XX/XXXX/XX/XX/XXXX, I had to take a former acquaintance to small claims court for {$4000.00}. I won the case and was awarded a judgement. 

To my recollection, I contracted with a debt collection agency called XXXX XXXX XXXX in XXXX or so to collect this money. To my knowledge, this contract expired after 3 years. 

SIX years later ... I received a call from a company called HK Recovery Service. They informed me that they have received {$1900.00} from my acquaintance. They also told me they will withhold a 33 % fee. They also charged my acquaintance {$2000.00} in interest- which is 50 % interest. 

I believe HK Recovery is scamming people left and right. They tel me that I have a contract with them ... but they can not present a copy of that contract upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting verification of the following account that Experian continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE

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 2015-07-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My wife and I purchased carpets XXXX today financed through Wells Fargo on XXXX/XXXX/2014. On the anniversary of that date I was charged {$1500.00} at 27 % interest for one year of back dated interest on a loan that totaled {$5600.00}. At the time of sale it was never explained to me or my wife what the interest rates were or the stipulations on the 12 months no interest deal was. The salesman simply said interest would start after the 12 months. The salesmen spent a better part of XXXX hours showing us carpets he also filled out all the forums for us. While rushing us through the paper work he kept assuring us that this would be far less expensive than putting it on a credit card. As you can see with the documents provided they are all in his hand writing. At the end of the sale he gave me a small paper stating it was a receipt I needed to sign for. Again it was filled out by him. So I signed for it not realizing that it was not in fact a receipt but in actuality a credit agreement, that he filled out ahead of time. Looking at it I would never of agreed to such an unfair one sided agreement. The tactics used were predatory and took advantage of new homeowners that had no experience with such types of sales and loans. So as it stands now I paid {$2300.00} on a loan that 's principal has only gone down by {$630.00}. If it were explained to me honestly I would have either paid in full at the time of sale or put it on my credit card which is more than half the interest rate of the egregious 27 % given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from HSBC . Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to HSBC. Although my concerns were clearly documented with specifics, HSBC has rerouted my concerns ( with inaccuracy ) to a " request for HSBC to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, HSBC 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like HSBC have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from HSBC. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression XXXX and XXXX XXXX. received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with HSBC to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, HSBC has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Lender informed me that I had to pay a penalty ( of about {$400.00} ) for extending the closing date. It is of no fault of mine that the closing date must be extended. The extension of the closing date is due to lender. Lender was not able to order the final inspection until a notice was received by the seller that it had been complete. Seller did not receive the amendment for repairs until about a month after the initial inspection. That is where the main delay happened.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-04-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Harassing phone calls from well Fargo mortgage on a dealer system after telling them numerous times that i do not want my cell phone on the dialer .... It is XX/XX/XXXX which my payment is due on the first not even past my due date and I have gotten 12 calls this month already Not to mention the payment that was proceeded thru my checking with out authorization

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 2015-06-05
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an email yesterday about purchases made on the XXXX and the XXXX of XXXX about fraudulent charges on my credit card. I called Discover and they went over what charges occurred, and said I had XXXX liability but I should file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I am dissatisfied with the current outcome of a dispute that was initiated with Discover Card regarding a single transaction that occurred on XXXX/XXXX/2015 in the amount of {$280.00}. I have corresponded with Discover Card at least four times since XXXX/XXXX/2015 ( which I have enclosed as an attachment to this complaint ). I believe that the credit card issuer has violated consumer protection laws by failing to implement the Special Rule for Credit Card Purchase protection despite overwhelming paperwork evidence submitted by me that shows the merchant has conducted business in bad faith less favorable to the consumer. I have sustained a monetary loss as a result of merchants bad faith and intent. I have patiently utilized the internal Discover Card dispute process over the past three months with the credit card issuer always favoring the merchant ; I have repeatedly submitted irrefutable paperwork evidence that has shown that the merchant has conducted business in bad faith. I have tried in good faith to address my complaint with the merchant and Discover Card but believe that I will not receive a favorable outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX, 2015, Wells Fargo sent me a letter informing me that my student loans can not be paid more than 20 days from the due date. If payment is received more than 20 days from the due date, the due date will not change. For example, if a payment is due on XXXX XXXX, and I make a payment on XXXX XXXX, the payment will be accepted but the due date will remain as XXXX XXXX ( not XXXX XXXX ) which forces me to make another payment in early XXXX to change that due date. The result of this is that it deters me from making a payment every 4 weeks ( 13 payments a year ) and instead, I have to make a payment once a month ( 12 payments a year ). 
Unfortunately, like XXXX of Americans, I live paycheck to paycheck, however, with my salary, I could still afford to pay every 4 weeks. What I can not afford, is to pay more than 20 days ahead and be forced to make a payment in less than 4 weeks so that the due date rolls forward and I do n't face late payment fees. This is a problem because these student loans are front loaded with interest so the only way I can pay down more principal each payment is if I pay every 4 weeks. If I pay once a month, I pay more in interest because it accrues so fast and payment towards the principal balance actually decreases from that of the previous payment. Also, please note that I will likely be paying off these student loans for another 20 years ( at {$190.00} per month ) so not allowing me to pay it off quickly is hurting me financially, while in turn, helping Wells Fargo earn more interest. 
Wells Fargo states that this change is to help the borrower but as I have explained, it only helps Wells Fargo prevent the loans from being paid off while generating more revenue for them, which is unethical. Student loan debt is certainly a hot button issue in the United States as millions of people have accrued enormous amounts of debt to go to college in the hopes for a better life. While the debt is a problem, the bigger problem is the fact that Wells Fargo is creating tactics that make it more difficult to pay off these loans efficiently, keeping people in debt for much longer than they need to be. It is my understanding that the CFPB was designed to help consumer 's like myself, have a voice when they are being wronged by a greedy financial institution. I feel that this is a prime example of what the CFPB is designed to do. I hope that you investigate Wells Fargo as well as any other " too big to fail banks '' for unethical methods regarding the repayment of student loan debt from people who will already be paying off these debts for 25 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: CO
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These unverified inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was on hold for over 4 hours and the customer protection department refuses to help me with resolving my issue

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 2015-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX I contacted Wells Fargo regarding a Home Loan for a new house I put an offer on. I sent them all of the information for my wife and I, and they ran our credit. Unfortunately, our offer fell through, but this past weekend we made and an offer and it was accepted. I contacted Wells Fargo this week and began the process. I communicated with XXXX XXXX XXXX XXXX XXXX at Wells Fargo. We discussed having only me be on the loan since my wife has bad credit due to her ex-husband. He informed me to get a Good Faith Estimate for just myself he would need to run my credit again, because his computer system would not allow him to provide XXXX for just me unless they started a new application. I asked him to just provide a Good Faith Estimate with the current loan having both my wife and I on it. Once XXXX XXXX heard I was not going to do the loan as an individual, he refused providing me a Good Faith Estimate unless we provide him with an addendum to our contract saying our escrow will be extended longer than 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-23
Company: EQUIFAX, INC.
State: AZ
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:
Due to identity theft and fraud there are three collection items on my credit report that are having a detrimental effect on my financial and personal well being. To rectify this I have submitted multiple requests to have this data removed and have reason to believe that Equifax did not conduct its obligatory due diligence in investigating these matters ( despite taking more then 30 days on several occasions ) and closed them without reaching a factual based resolution. 
Have been refused credit, opportunities on multiple occasions despite identity theft and fraud being listed on my disputed. Specifically, items resulting from identify theft continue to be reported as collections by Equifax. Clearly Equifax has ignored resolution guidelines set forth in the fcra causing significant personal and financial distress.

Company response to consumer: Closed with explanation