BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Recently noticed my American Express card interest rate was raised from 16.74 % way way way up to the max of 29.99 % without proper cause or notice.

I made several attempts to resolve this through AMEX chat portal but it seems AMEX CHAT is being used to stall my attempts at a resolution and to wear me down by continually providing irrelevant answers and by continually passing me unto different departments who claim unable to answer, then to different representatives who claim unable to answer a direct question. 

Note : I am already warned down, my wife has very serious health issues, besides XXXX XXXX, XXXX, she is now on XXXX. Which is very draining on both of us. I am XXXXyrs. old and her primary care-taker. I am not sure if anyone understands how overwhelming and exhausting it is to care for someone in my wifes condition. 

For example : she literally has over 15 different medications to take every day. Some must be altered daily. As a result of all these meds & her medical condition, Her memory is not good. Therefore, her medication intake must be monitored. 

Another example : The medical professions routinely make mistakes. Just last week while my wife had a dangerous XXXX XXXX  while getting her XXXX   treatment. I had to scramble immediately to save her life. A nurse FORGOT to administer her required XXXX XXXX. 

When I asked AMEX if a notice was sent to me concerning the increase, AMEX responds that it was. However I have no notice in my emails, in AMEX messaging center or via mail that properly describes the action AMEX had taken.

Also AMEX claims my interest rate was raised in XXXX because a payment in XX/XX/XXXX LATE PAYMENT WARNING : If we do not receive your Minimum Payment Due by the Payment Due Date of XX/XX/XXXX, you may have to pay a late fee of up to {$38.00} and your APRs may be increased to the Penalty APR of 29.99 %. 

If that is true, Why wait until XXXX? 

Yet, A payment was made to AMEX on XX/XX/XXXX for {$500.00} Also the above note is NOT proper notification, it is a warning of actions that may or may not be taken. 

I do not believe this was a simple error, the computer programs today are far too advanced for this to be an error. Most people with the proper insight know this. SO please do not allow them to try passing this off as an error!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Applied for a credit limit increase on XX/XX/XXXX. Verification of income and sensitive tax information is being requested. This information was previously submitted during a previously requested credit limit on or around XXXX of XXXX. The issue I have with verifying this information again is that it has not just my personal information on the tax documents but also my husband 's. My husband 's concern is that because he is not an American express customer his information could be used to be marketed to or worst, compromised. American Express should have kept these documents on file as nothing has changed. Documents were mailed to XXXX XXXX XXXX, XXXX XXXX, TX XXXX via XXXX XXXX 

reference # XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account information incorrect

Complaint:
I've had multiple issues with XXXX XXXX  including their illegal debt practices after a bankruptcy stay. Note I was under a bankruptcy stay in XX/XX/, had kept up with my payments and reaffirmed my mortgage debt. After the merger with XXXX, XXXX aggressively and illegaly had tried to force me pay debts without statements, lie about receiving statement and send threatening letter stating they would report payments to the credit bureau on closed accounts.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 U.S.C 1681 sunrise credit service XXXX Credit report XXXX credit report. Experian .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2019-01-28
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: Personal information incorrect

Complaint:
There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA 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 2023-04-21
Company: EQUIFAX, 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. 

XXXX  : Account # XXXX XXXXt : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

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


Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2022-12-22
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Trying to close my Robinhood Marketing account. They are refusing to release my funds to my verified banking account. 
I have tried resolving this and I just keep getting put back into the automation cue for a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : XXXX XXXX  XXXX was called to bring my daughter XXXX XXXX to the hospital for a XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX : 1. Invoiced me directly {$2500.00} in addition to the insurance in XXXX, which had PAID XXXX XXXX per XXXX below dates and payment IDs. 
2. Recklessly and criminally, passed {$510.00} to collections to Nationwide Recovery Systems who consequently have been reporting this erroneous bill on my credit negatively since XXXX! 

XXXX paid XXXX XXXX the ENTIRE invoice of {$2500.00}. 

XXXX CONFIRMED ELECTRONIC PAYMENT PER BELOW : XX/XX/XXXX - {$460.00} payment ID XXXX XX/XX/XXXX - {$2100.00} payment ID XXXX They illegally passed a paid debt to collections and now this continues to be on my report damaging my credit when i am trying to refinance due to financial problems with COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, these accounts was open fraudulently. I need them remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: CA
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:
So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is absolute bail bonds XXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and experian are letting this happen the debtor is XXXX XXXX which was also reported to my credit

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has charged me over and over with overdraft fees, frozen my account, I reached out to them before the pandemic cause someone committed fraudulent against me and I'm XXXX and XXXX American and asked for their help and they changed me and called the credit bureaus and they still are charging me overdraft fees as I fill out this form

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 2020-04-09
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: DISCOVER BANK
State: CA
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:
Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint against Wells Fargo is specific to recently received mail from Wells Fargo relevant to an account which should be closed. And to the fact regarding a phone call to Wells Fargo on XX/XX/2023.in regards to this. Yes my account balance should be {$8800.00}. However in my call to XXXX with the Executive office on XX/XX/2023, she stated that my account balance was only {$3500.00}. On XX/XX/2023 as validated on the record and on my paperwork from Wells Fargo, I requested to XXXX with the Executive Office to immediately close the account and mail a cashiers check to my home address. She confirmed this would be done. For some unknown reason if this account was not closed on XX/XX/2023 as instructed, confirmed, and on record, any transactions since XX/XX/2023 would be fraudulent and at the expense of Wells Fargo. As per recent account paperwork, it seems as if somehow this account remains open. But then again, NOTHING SUPRISES ME WITH WELLS FARGO!!

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 2020-04-09
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is regarding COVID-19 I contacted Caliber Mortgage online and filled out their form for help during this time because of issues regarding Covid-19. They sent me a letter that seemed to want to deter me from this process. Threatening an increase in interest : " Please note : If you request a Loan Modification at the end of your Forbearance Plan, in some cases interest rates will increase " And worse yet should I not make my payments for the 3 month period as the Federal Government has made a provision for the 3 months plus XXXX ( so 4 months ) will be due on XX/XX/XXXX and then I will be in default and get foreclosed. 

This is not a benefit to consumers that are short money NOW and that money will not be created out of thin air in 3 months given that the government will not let us go to work! 

The government has told our tenants that we can't foreclose on them so when this is over they will just not have the money to pay us all the accrued rent that's past due and will be evicted and that money will never be seen again. 

I need a REAL SOLUTION. I need these payments put on the back of my mortgage without threatening me for higher interest rates. 

The Federal and my State government doesn't seem interested in ending this SHUT DOWN of AMERICA so we can't even work and earn a living. Caliber thinks that somehow, someday when we are allowed to leave our homes and get back to work that our pockets will fill up with past due income? IT WILL NOT. 

tHEY SHOULD BE OFFERING 6 MONTHS NOT THREE AND THIS SHOULD BE PUT ON THE BACK OF MY LOAN NOW. I LOSE ENOUGH SLEEP OVER THIS MESS I DID NOT CAUSE. I CAN'T EVEN SLEEP AT NIGHT AND THEN I GET THIS THREAT LETTER FROM CALIBER - AND I'VE NEVER MISSED A PAYMENT! 

" All suspended payments will be due on XX/XX/2020. '' " The total amount of payments temporarily suspended by this Forbearance Plan are immediately due and payable at the end of the Forbearance Plan. '' This is not a good deal. I'll lose my house because of the government locking me in my house. I TAKE CARE OF MY MOTHER WHO HAS XXXX AND NEEDS 24/7 CARE AND I CAN'T RISK BEING EXPOSED TO COVID-19. I DON'T WANT TO LOSE MY HOME OVER THIS PANDEMIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SYNCHRONY FINANCIAL
State: CA
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:
Venmo Synchrony Bank has an account opened in my name and acknowledges that the account is marked as fraud but refuses to remove the account. I have emailed numerous times, but the account still appears on my credit report. I recently went to qualify for a home loan and to my surprise the account appeared and I must go FHA now.

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 2022-12-22
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MS
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 checked my credit report and noticed inquires from companies that I Have no clue who they are nor did I apply for credit with that institution. I reached out to all 3 credit reporting agencies and disputed them. they said they were accurate which is false I have sense locked all 3 bureaus

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 2021-03-04
Company: EQUIFAX, INC.
State: CA
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:
So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and XXXX  are letting this happen the debtor is XXXX XXXX which was also reported to my credit

Company response to consumer: Closed with explanation