BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have going through financial hardship and was unable to make my monthly American Express credit card payment. I contacted American Express and explained my situation. They told me they had programs available to assist with my certain situation but that I wasn't able to access those programs until I paid my account was current. I told them I didn't have enough money to get my account current and they still responded they could only help me if I was current. I reluctantly paid the minimum due, which meant I couldn't pay other bills that I owed, and then they said " Oh, I'm sorry, we don't have programs right now that can help you. '' Then, about one week later, they withdrew money from my bank account without my permission. I called them 3-4 times to get an explanation as to why and how they did this and they said they couldn't talk to me until my account was current. I again told them my financial situation and again they told me they couldn't help me unless my account was current. I wouldn't pay because, one, I didn't have any money to pay, and second, I wasn't going to let them do to me what they did to me the prior month. I want them to remove their finances charges and late fees and work with me to get this paid off. Now they have hired a collection agency to collect this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: GOLDMAN SACHS BANK USA
State: OH
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:
I have provide severall times to apply card documents showing that I returned the merchandise back to the merchant for XXXX purchases and they started that a refund was issued with it never was and for the charge for home depot I told three different people their that home depot canceled my order and still billed me but never shipped the order. I don't know what the problem is but these charges need to be removed I will not pay for merchandise that was sent back to the merchant. What kind of customer service is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! They sold my mortgage to a debt collection agency, not another mortgage lender even though I have great credit. 

Hoping and praying, 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 2020-08-04
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, The BMW Financial Services account on my credit report does not belong to me and I  demand a cease and desist removal of the tradeline on my report. 

I have no affiliation with BMW whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from Quantum collections for over seven years now and I have told them they have the wrong number. They have never mailed anything regarding a debt and there is nothing on my credit reports from them. 
I have no DEBT AT ALL and therefore they have no reason to call me and obviously have the wrong info. They keep calling on a robo dialer because no one answers when I pick up. They call from various extensions. This is harassment at this point.

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 2023-05-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over the past 8 months I have writing over XXXX plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA XXXX XXXX ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX  XXXX XXXX  XXXX  was open XXXX been on my credit report for XXXX and 8 months, FB XXXX XXXX XXXX XXXX open XXXX been on my credit report for XXXX and XXXX ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with XXXX accounts and inquiries I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Synovus Bank
State: OH
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, They have violated my rights to privacy. 15 U.S. 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 if i know or have any reasonable cause to believe that the information is inaccurate.

15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported an unauthorized transaction on XX/XX/2020. My debit card was in my possession and I was at home caring for my newborn. Chase provided a provisional credit to my checking account for the transaction amount {$650.00}. The merchant provided transaction information to Chase which shows the transaction was PIN and Chip. Chase bank refuses to conduct further investigation into the transaction stating that they do not rely on a customer signature, and the only way for me to recover funds is through a police investigation and to sue the person responsible. The bank apparently also can not view camera footage to see that it was not me making the transaction, and told me that if I can provide proof that I was home caring for my newborn they may be able to investigate again. The problem is I can not prove that I was home, and that would also be a problem for providing that information to police as well as proving that I never gave anyone else permission to use my card - Which was in my possession. 

My identity was compromised in XXXX when Chase bank allowed someone in New Jersey ( I live in New York ) to add my debit card information to their digital wallet for personal use. I found this out on XX/XX/2020 when I reported unauthorized XXXX XXXX transactions and an unauthorized New Jersey utility bill transaction. I believe this individual may be responsible for using my debit card information to make the purchase in XXXX. 

Chase bank states that EMV chip cards can not be duplicated. Research shows me otherwise as it has been successfully done before and there is malware available for purchase on the dark web. I am submitting another dispute with the information that shows EMV chip cards CAN in fact be duplicated. I want my funds recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. I have never allowed Amerifinancial Solutions to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and all of these accounts need to be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}

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 2020-11-14
Company: Experian Information Solutions Inc.
State: TN
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:
This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 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 2023-05-04
Company: SANTANDER HOLDINGS USA, INC.
State: OH
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, They have violated my rights to privacy. 15 U.S. 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 if i know or have any reasonable cause to believe that the information is inaccurate.

15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I'm not exactly sure what kind of account was opened but I have never opened an account with USAA. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at USAA or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX XXXX XXXXXXXX ) and 1 business bank but never any XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 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 2018-11-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This involves actions by Wells Fargo in servicing our XXXX Home Equity Line of Credit. Since changing the account statement in XX/XX/XXXX, we've been unable to understand the actions vs account statement. Why did we keep owing back interest when from day 1 on XXXX XXXX, EVERY payment was in excess of the interest due and 95 % of our statement had a payment due of XXXX and that included back interest. See the bottom of page 1 of the Agreement. So back interest wasn't due. 

Attached are XXXX account and responses from Wells Fargo which you will find are conflicting, misleading and some parts are false and do not even apply to my account. The lack of full disclosure and Transparency is seen in the recent version of the transaction history provided Wells Fargo revealed fees that were hidden in the previous spreadsheets received from other Wells Fargo staff. 

Since Wells Fargo is unable to reply with a consistent answer is clear.

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 2020-11-14
Company: U.S. BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account with XXXX XXXX XXXX was recently acquired by US Bank. When that happened they began charging me fees for ATM withdraw ( both ATM fees and international fees ). I had no such charges with XXXX XXXX. 

I signed no papers agreeing to these charges with US Bank, nor did I agree for my account to be managed by US Bank. I realize at this point that I have no choice since US Bank has bought my account but they refuse to refund more than 5 charges. Since I did not agree to these banks terms nor did I even want to be a US Bank customer I am asking them to refund all of these fees but they refuse. The fees are listed below. 

XXXX - {$8.00} XXXX - {$8.00} XXXX - {$8.00} XXXX - {$5.00} XXXX - {$8.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} I would like these fees to be returned as I did not agree to these terms for my checking account. I have contacted them and they refused to refund any more than five ( returned fees not listed above ).

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 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Card has a {$25.00} balance, but I am unable to spend the money on the card.

Company response to consumer: Closed with monetary relief