BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hi there, Around a year ago, i was given a credit card from Wayfair with a year 0 % interest. After making purchases, i was still being charged interest throughout the course of the year. 

When i rang up after the first month XXXX XX/XX/2019 ) and asked why i was being charged interest, i was told that i wasn't eligible for the promotion and that instead i was going to be charged a minimal amount of interest every month. I wanted to clarify 100 % that this was in fact the only interest i could expect to receive and i was told repeatedly that it was. 
Also at this time, i was asked about whether i'd like paperless statements which i agreed to and that they would be emailed to me. 

Today, i realized that i have a charge of around XXXX $ on the account ( close to 50 % interest on the remaining balance ). I rang immediately and asked to refund the interest and i would bring the balance to XXXX then and there. After being switched around 3 different colleagues and being spoken to very unprofessionally, i was told that there was nothing that could be done about the interest charges and that this was 100 % my fault for the following reasons : 1. the call in XX/XX/2019 never existed and no call was placed at this time 2. the information was on my statement, which wasn't emailed to me, but this was something i had to access online. 

After looking at the statements which they mentioned on the phone, i see that they exist in an area of the website which is extremely hidden. You have an area called transactions ( where there is no mention of the interest they were about to charge ) you need to click on 2 different areas and then download the statement from there. at the bottom is where you can find their " warning ''. Again, extremely misleading. 

I'm extremely upset about this as i feel like i've been incredibly misled when it comes to how the interest works for their program. Everyone should be aware and their 'promotions ' should be assessed. 

I just want to clear my account without the 50 % finance charge so that i can clear this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted 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 2020-04-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
LET ME BE VERY BLUNT. I have been a loyal & happy Wells Fargo customer, until this matter & how it has been ( NOT ) handled. Long story short, I have been paying DOUBLE the required payment by auto payments in order to retire the payment plans by the end dates. When I logged on to check my account in XXXX, in anticipation of making a final payment, I discovered that WF had charged my account almost {$2000.00} in deferred interest ( plus monthly interest ), effectively doubling the remaining balance due, all because of internal allocation. How can I possibly be charge so much interest, when the total payments to date well exceed the balance on the " offending '' plan? Simple answer : IT SHOULD NOT!! I have spent a considerable amount of time with a Customer Service Rep who confirmed the error and that it would be resolved in a few days. That representative even refunded the " monthly interest '' that was incorrectly applied. Fast forward to now, MY ACCOUNT STILL HAS NOT BEEN FIXED, and I have wasted countless hours on hold, spoken with at least 3 WF representatives, sent at least a half dozen emails, and wasted almost 4 WEEKS. WF has failed to respond by fixing the issue, or telling me why they can't. I understand being short staffed due to COVID-19, but this is so egregious and has gone on so long without resolution, that I am starting to feel quite abused and mistreated. This is not a hard fix if they would just do it, but clearly they do not see this as a priority. I need a swift resolution to this so I can make my final payment ( s ). 

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 monetary relief
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can I please lift my fraud alert and security freeze temporally for 3 month, I haven't received the pin to remove it, please send it to my address.

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 2015-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have attempted to submit a complaint with Experian but, they keep telling me they can not release my information and I can not get a representative on the phone. There are several names connected to my social security number that are not mine. My name is XXXX XXXX XXXX. After going to a closing for a recently purchased property they presented me with at least XXXX names connected with my SSN that I had no idea were there. I recently pulled my annual credit report and this information was not disclosed on it. The names listed are any variation of Love XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am sure Experian is the problem but, can not even submit my complaint. Furthermore, I now have to have the documentation from the credit reporting agency that says I am who I say I am before I can get these false names removed from my XXXX account and my XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
I submitted a dispute on XX/XX/2022 and still haven't received a reply. According to the XXXX they have XXXX days to reply to any dispute, if not that is grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: WI
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:
I have been trying to pay off a closed card through Citi Cards. During the Covid-19 this has been especially difficult, for a variety of reasons - not the least, the behavior of Citi. Very often, their website is down. They do not process scheduled payments on time, resulting in late fees. They do NOT respond to written requests to address these issues. I have written - via their secure message system on their website - repeatedly, trying to address these issues. But they take weeks to respond, resulting in more late fees, which frankly feels like the plan all along. 

They are unreachable on the phone. I will NOT continue to pursue them to resolve this. It is impossible. And if they wish to contact me, it needs to be in writing, either to my mailing address or via their own secure message system. 

But their conduct has been awful, especially during a time of great stress on working people everywhere. To take advantage of consumers at this difficult time, to pile on late fees and issue threats, is unconscionable.

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 2015-05-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2016-08-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2022-05-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-01
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have repeatedly disputed a collection from a collection agency to Experian that is not a the amount is {$2600.00} from 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collections USA has a debt from someone who harassed me and damaged my property. I had a restraining order against them and they fought the restraining order ( I did not know ) the judge then told Them I had to pay attorney fees ( I did not know this either ) my harasser lied about the attorneys fees, sold the debt to collections USA, lied to them about the debt, Collections USA is lying about the amount and so is the perpetrator, the courts said that he cant sell the debt to a collection agency and that he has too have proof and attorneys bills that collections USA and the perpetrator failed to provide. collections USA also keeps putting hard inquires on my EX credit report without my permission. I feel harassed and staked now by not only the initial perpetrator I took to court but now by Collections USA. This system is beyond broken to even allow a sit ion like this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is impersonating to be a lawyer however they are a collections agency attempting to collect a debt from 11 years ago. they have put XXXX leins on my bank account over the past 3 year. however they have never reached out to me to settle the debt. i called the courts to verify the case number and the court clerk said it doesn't exist. per statue of limitations this isn't legal and I feel this company is harassing me and submitting deceptive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Minto Financial dba Minto Money
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with them and my interest rate was 400 % so on a XXXX loan its {$3600.00}. Thats ridiculous. I really needed the money to fix my car. They took advantage of me. On the website they say that say they not an actual lender its a lending network and they are not regulated because it is tribal. I also paid a fee to access funds the same day which was a Friday. I didn't receive them until Monday and they told me it was nothing they could do about the error I would just have to wit. I hate I took money from them.

Company response to consumer: Closed with explanation