BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On a line of credit with a balance of {$3700.00} Wells Fargo somehow took over the number one position lien position over my mortgage company. I asked how this could happen and there  response was it happened. I would like Wells Fargo to show me how this happened as I have always had a first mortgage on my home. Wells Fargo also changed the loan type Nowline opened in 2005 that I opened with Wells Fargo Financial to a Wells Fargo Prime Equity line not sending disclosures explaining the changes. I do n't know if there is a annual fee on this account what the fees are, I 'm guessing everything is the same??

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 2018-04-05
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ).

We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. 

We received a provisional credit of {$990.00}. 

On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. 

Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. 

However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. 

When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. 

We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. 

WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid.

NFCU has failed us as their longterm customer.

When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. 

In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. 

At this time, NFCU rejected this dispute. 

When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. 

NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. 

Furthermore, they did not process the 1 dispute properly. 

We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. 

There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. 

Upon attending this event - it was recognized as a FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: STERLING JEWELERS, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX  was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: 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 Transunion credit bureau 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 this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/2014 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 2022-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 usc 1666d treatment of credit balance consumer refund demanded. XXXX. Loan from attorney general XXXX XXXX n crew. 18.usc 8 delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud claim on my debit card over 3 weeks ago and I am still awaiting the results. I have emailed them several times via the secured message system and Navy Federal Credit Union still has not even read those messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MS
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 issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify

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 2020-12-06
Company: INTERFIRST MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Interfirst mortgage pulled my credit initially for a refinance on my home loan. This fine and expected. I gave permission for this. 

The issue is that many months later after the initial credit report expired they pulled my credit again without any permission or notification. I was notified via an unrelated credit monitoring service. 
When confronting them about this they made no effort to rectify the situation except for a promise to notify a manager. I was also condescendingly told this was not a big deal, as if there was no regulation against this behavior.

I would not have given permission for this, even if it meant not continuing with the refinance. Now I have two additional hard credit pulls with a company that still hasnt managed to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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:
This is not my account : XXXX XXXX # XXXX Please provide binding agreement, and method of verification for this account. This account does not belong to 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
Consumer complaint received 2020-12-05
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
So on XX/XX/2020 I had bought a high ticket item off XXXX for XXXX using Klarna as the lender. When I received said item it was not as described. I had gotten scammed and fraud by somebody online. They had changed my name and my address on there to hoping I wouldn't get it and would lose the package and all my money. I was able to get the package from the post office. I opened the package and it was a bunch of fake cards in there I had recorded the opening because the cards were not welt felt like they should have been. I have records of the call logs and messages on XXXX. I called Klarna to get my money back and said they don't and you can only get the money back from the platform or the seller. So I told them to freeze the money and they did. I opened a case with XXXX  and they closed it. Because they said I did a chargeback which I didn't all I did was freeze payment closed the case I have been going back and forth with them to get my money back and Klarna has been no help at all. I'm losing XXXX, I'm stressed, Im getting XXXX, and XXXX  over this. I just want to get the refund and move one. I'm stuck in a rock and hard place and nobody seems to help and it isn't right at all. I even reported for mail fraud with united states postal inspection service and also reported with my attorney generals office. I have all the evidence and even still have the packaging. I Just want Klarna to do what is right and I can get my money back and move on. I have video evidence of me opening the package and I still have the package in my possession as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.

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 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank Of America Bank of America Platinum credit card tied to my bank account on Smart Phone.     I pay my payment every month,  XXXX  month in advance, always paid on the  XXXX  of the month. But every month I was apparently receiving a late fee that was not listed on my online ( phone  )  bank statement not on the year end summary of the account.     the bank is saying the payment was due by the  XXXX  of the month, and even though I paid every month a month in advance on the  XXXX  of the month it was considered late. Only months that I made additional payments did I not receive a late fee. No where online or in statements does the account indicate that there is a windows each month that you can not make payments,  XXXX  to the  XXXX  of the month, the most frequent time people make monthly payments.     In addition the online account never shows the fee being charged for account. The fee apparently is posted on the last day of the account statement, and is not visible any other time. The online as the statement only shows the current statement period and after the next day the fee is no longer visible. The link to previous statements is deliberately hidden.  The Highlight and Underline on the text for statements has been removed so there is not way t t ell that is a link to previous statements.     Even the Year end statement deliberately does not include fees charged on the account. If you are a modern person, especially a Millennials, who maintains tracking accounts on your smart phone and use the account to ensure you pay monthly you will never know you are being charged late fees for the card. Only way you can tell what fees you are being charged is to download the monthly statement which is only way to access statements when using paperless option.     It 's was gong on for over a year., I have unknowingly paid over {$250.00} dollars in late fees. In addition and the fees change from  XXXX  dollars to  XXXX  dollars randomly.     This is truly engineered predatory banking for online paperless banking.

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