BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called this bank up and asked for the payoff amount and I paid the amount over the phone with my debit card. This was approximately around XXXX of 2022. A month later in XXXX I received a bill for {$2.00}. I called them up and they said it was an interest charge. I asked them to remove it since I had called them up and asked for the payoff and paid that amount. this obviously was an oversight on their end. They refused to remove the charge and they have been charging me late fees and interest charges ever since. The card and account have been closed and I have not used it. I was a loyal customer for a very long time. I feel this is illegal to be charging interest on top of interest and late fees. My bill is now up to {$170.00}. This is from a {$2.00} interest charge. they have currently been charging {$41.00} per month on late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with Land Home Financial Services and I also applied for the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). I received a modification agreement for a partial claim mortgage/deed of trust for {$38000.00} with instructions dated XX/XX/2023. The instructions stated I had thirty ( 30 ) from the date on the letter to accept, sign and return the partial claim mortgage/deed. Which is XX/XX/2023. I received a call from XXXX at Land Home Financial Services, telephone number ( XXXX ) XXXX on XX/XX/2023 at XXXX. He stated, " Hi XXXX this is XXXX from Land Home Financial Services. Did you sign and return those loan papers you received? We need those papers signed and returned immediately. " I felt pressured to sign and return the papers or fear losing my house. So I complied and signed, returned the documents as XXXX requested. 

I had a appointment on XX/XX/2023 with a HUD counselor at XXXX XXXX XXXX to review the documents before returning them to Land Home Financial Services. XXXX approved my application and ACP Land Home Financial Services around {$53000.00} on XX/XX/2023 to pay my delinquent balance and some future payments. I called Land Home Financial Services on XX/XX/2023 at XXXX and informed them I would like to cancel/rescind the contract I signed and accept XXXX  offer. I explained I submitted the documents early because XXXX called andI felt pressured. I was informed by Land Home Financial Services that they have to talk to the underwriter. I was told to call them back in 48 hours and they would inform me what the underwriter said. 

I called Land Home Financial Services back on XX/XX/2023 at XXXX and was told I can't cancel or rescind the documents and the XXXX funds would be returned. I felt pressured to sign and return the documents before the due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: WELLS FARGO & COMPANY
State: TX
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:
TO WHOM IT MAY CONCERN FOR SEVERAL YEARS I'VE BEEN TRYING TO RESOLVE THIS DISPUTE WITH WELLS FARGO I HAD A {$800.00} SECURED CREDIT CARD LINKED TO MY BANK ACCOUNT WITH WELLS FARGO. I WAS INCARCERATED IN XXXX. I wasn't released from prison until XX/XX/XXXX. THE {$800.00} SECURED CARD somehow was charged {$2000.00} FOR A RENTAL CAR while I was incarcerated and somehow the {$800.00} card accepted the {$2000.00} FRAUD CHARGE. FIRST OF ALL, WHY WOULD A {$800.00} SECURITY CARD EXCEPT A {$2000.00} CHARGE IT DOESN'T EVEN MAKE SENSE TO ME ANYWAY I WAS INCARCERATED AT THIS TIME I HAD OVER {$2000.00} IN MY CHECKING ACCOUNT AND SINCE MY SECURED CARD WAS LINKED TO MY CHECKING ACCOUNT. IT WIPED OUT MY BANK ACCOUNT TO PAY FOR THESE FRAUDULENT CHARGES WITH A SECURED CARD THAT SHOULD'VE NEVER EVEN ACCEPTED A {$2000.00} CHARGE. So when I got out of prison in XXXX XXXX I thought I was getting out with money in the bank but come to find out I owe Wells Fargo over {$2000.00}. My first two months out of prison, I had to deal with Wells Fargo and at the end of it. Three years later it still hasn't been resolved. I haven't gotten one phone call from them. I have to call every time and when I do call nothings done, I sent them in the paperwork my PO officer gave me showing them that I was incarcerated during the time of these charges so it would be impossible for me to have made them and yet still they have not done anything to resolve this issue and they have not contacted me trying to resolve this issue at all all the time that we talk to him because I had to call them and see what's going on and every time I called him asking why I haven't. Why wasn't I called this time it is always something to do with how your number was wrong. I'm like I just re-updated my number. Last time we talked it's been three times ago. Oh it was one number wrong in the number it's ridiculous. Wells Fargo are a bunch of crooks it's been proven time and time again that they shouldn't be in business at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 explanation
Consumer complaint received 2022-09-06
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I contacted customer service in regards to a settlement offer I received on my Milestone Card, they received a payment on XX/XX/XXXX for the settlement amount of {$350.00} but have not closed this account out and are not trying to get a payment from me for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'VE TRIED TO REACH OUT TO EXPERIAN TO RESOLVE THIS ISSUE MULIPLE TIMES FOR THE PAST FEW MONTHS AND THEY DO NOT RESPOND. I HAVE NOT HEARD ANYTHING BACK OR BEEN PROVIDED WITH ANY UPDATES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
When I closed on my house and signed my mortgage, I agreed to specific terms on what was needed to cancel PMI. 

Once I had paid down the to the agreed upon 80 % of my principal, I reached out to Chase - while I initially received the mortgage from XXXX, it was sold and Chase took over the administration of the loan. Chase sent me the paperwork, I filled it out and sent it in with a check to order an evaluation. They sent the check back with no notice or explanation. After several communications, I finally was able to get someone to tell me that I wasn't eligible to have my PMI cancelled. When my loan was sold, it was packaged as an investment loan and their policy was I needed to pay down to 67 % percent as it was an 'investment property '. 

This is my home and full time residence, which is classified as a duplex. Regardless, these are not the terms I agreed to when I signed my loan. My original terms ( attached ) state that PMI will be cancelled either when I reach 80 % and submit a written request ( which I did ), have good payment terms ( I've never been late and have overpaid every month ), am current on payments ( yes ) and the servicer requests and at my expense indication that the property has not deteriorated ( I send in a check for the XXXX and included expenses I've undertaken to improve the property since purchase ). I've also now reached the date that my loan was originally scheduled to reach 80 %- which was XX/XX/2023 and I'm still paying PMI. 

I've met the original terms to cancel PMI - both by making extra payments and reaching 80 % prior to the original date, and now have reached the scheduled date my PMI was supposed to be cancelled. 

Chase refuses to engage with me, just sending the same canned response each time I make a request. I have no choice in who services my loan, but I agreed to the PMI terms when I signed my loan. This bait and switch is not fair to me the consumer. I agreed to specific terms when I signed my mortgage and Chase has changed those terms with no notice - if I'd been notified, I would have paid my mortgage down to 80 % prior to the sale to avoid all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: KY
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, account ( 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 : 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 explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
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 following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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 explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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:
This is one of several times I've discovered that my credit report had inaccurate information. The Experian and XXXX credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 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 explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX XXXX Date Opened 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