BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I made charges on my American Express XXXX card with closing date of XX/XX/XXXX totaling {$2300.00}. The payment due date for this bill was XX/XX/XXXX. I missed the payment due date, I made a payment of {$2300.00} on XX/XX/XXXX, three days after the due date which was the full statement balance. On my XX/XX/XXXX statement, I was charged a late fee of {$29.00} and interest of {$85.00}. The XX/XX/XXXX statement had a balance of {$6400.00} due XX/XX/XXXX. I made a payment of {$6400.00} on XX/XX/XXXX before the due date ; I paid less than the full balance because the late fee of {$29.00} was reversed and credited back to me. When I received my XX/XX/XXXX statement, I was surprised to see another interest charge of {$110.00}. This didn't seem right so I went back and calculated the interest that I would have expected to owe. I 'barrowed " {$2300.00} from XX/XX/XXXX until my payment on XX/XX/XXXX at an annual interest rate of 25.24 %, so, $ XXXX ( 28 days/365 days ) * ( XXXX interest ) = {$45.00} is the interest I would expect to owe. I was charged a total of {$190.00} in interest!!!! More than 4x the actual interest owed. I called Amex customer support twice. I was able to get the fee reversed and they offered to return an additional {$40.00} in interest but that never happened, they also offered to have someone call and explain the interest but that never happened either. I am owed {$150.00} from American Express as well as an apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: PA
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:
Over the past 6 months, my credit has been ran for a number of different companies. I do not have any credit or checking account ties to any of these companies. I called Equifax a number of times to have this information removed with no luck. At this point, these items are disturbing my finances and ability to obtain accounts. I including a list of inquiries that I would like removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We excercised our right as a XXXX family to reduce a APR of 27 % on my vehicle loan. We were denied even after submitting orders my husband was on during the time I had applied for the auto loan. Til date I havent been given written notification saying I am not eligible as a milospouse. Initially via telephone call I was told I didnt qualify as my husbands name wasnt on my auto loan. But he couldnt co sign cos of a bad credit history. XXXX XXXX  approved my loan on a. 27 % interest rate which I can not afford to pay. As a result we now can not afford to live day to day but need the vehicle for daily commute. The person name XXXX XXXX at XXXX XXXX has been extremely defiant in terms of helping us in accordance with the SCERA laws and reducing to atleast 6 %. The initial email was sent XX/XX/2023, he had made us wait 45 day ( according to his wait times ) and still hasnt given us written notice that we were not eligible for this reduction despite sending proof of my husbands XXXX XXXX orders during and around the time we purchased the vehicle. He is XXXX but he was on XXXX XXXX orders. XXXX XXXX ( Director of compliance ) has been extremely uncooperative in terms of adhering to SCERA laws and is looking for anything to not reduce the 27 %. It is sad that XXXX members have to suffer these circumstances and cruel treatment. To date he has not contacted us beside my husbands call to him requesting feedback to which he said we didnt qualifying. I just want to clarify that we dont and/or if we do can this please be reported and assist us in doing so.

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: Experian Information Solutions Inc.
State: SC
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 checked my credit report and found that some of the data were incorrect. 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 deletion 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 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 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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan, XXXX Dollars at XXXX Percent for 30 years but the Chase Representative changed the loan without my consent. They converted that loan to two separate loans, one for XXXX and XXXX almost equally almost XXXX dollars in payment, which was unaffordable for me and that was not the agreement. I applied for loan modifications and completed those payments but I was denied and foreclosed while I was doing those payments. The loan XXXX admitted they were going to fix, I have that in writing but never did. My dad complained almost everyday to make those payments. By working he is permanently XXXX and XXXX XXXX  by falling off a telephone pole working as a telephone technician. He has proof of the injury while trying to cover payments of this fraudulent mortgage transactions. There was threats of the debt collector of the Bank Representative. Theres a lot going on and there is a lot to be seen in this case. Then they told me to wait 3 months to behind in order for them to help us because she had some sort of mortgage XXXX. 

Thats not the loan I applied for they invented these XXXX loans. And XXXX is now the XXXX Collector and Now with an account thats not mine. In 2010 they foreclosure while doing the payments and bankruptcy protection and In 2010 I filed for notice of Recission under the 3 year window of Statues of Limitations because of XXXX, then debt XXXX came to my house and threaten us to pay them or they would kick us out without any foreclosure done. 

In these Emails, XXXX XXXX, offered me another job to make those payments when I already had XXXX. 
Now Ive received a notice of default that I did receive in the mail but a Notice Of Substitution of Trustee that never came from the Recorder Office or even general notice. It didnt come in the mail but we found it in the Assessors XXXX and Evidence of XXXX Loans they made on the same day. 

I also complained of the appraisal fraud because property was in bad condition. 

XXXX XXXX heard about my problem and called my dad telling him not to worry about this situation that he will fix it and when he would get out of XXXX the issue would be resolved. He forwarded it to the main office, they called me but they didnt solve it. XXXX recorded it and has this information. 

Now a XXXX called XXXX XXXX XXXX, representing XXXX is ready to foreclose on the house and trustee sell. 

Please help my dad because all his civil rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Credit Collections U.S.A., L.L.C.
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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 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 non-monetary relief
Consumer complaint received 2021-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mr. Cooper is my mortgage holder. I recently inquired about a refinance with them. 
Yesterday I went to pay my normal monthly payment. There was a {$20.00} fee added to my payment amount. After talking to 3 people and being told someone would call me ( who didnt ) I have found out it was for a pay off quote that was generated by the lender I was working with re : refi. I want that removed because not only did no one inform me of It and that there was a fee but it was never brought up i.e. I wasnt informed what it was. 
In calling Mr. Cooper I have been told that it can not be taken off. 
How can that be? 
How can they charge someone for something they never knew about or were told would be charged to them. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: FL
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:
We hired a contractor to do repairs on our home after Hurricane Michael in XXXX. The contractor was terminated on XX/XX/XXXX for breach of contract. However, sometime in late XXXX of XXXX we finally received insurance checks ( dated XX/XX/XXXX XXXX, two of which contained the contractor as a payee. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both of these checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous contractor, XXXX XXXX XXXX XXXX, without my endorsement or that of my Mortgage Company XXXX XXXX XXXX XXXX XXXX! After contacting Chase about the banking error we were informed that we must prove the money belongs to us even though XXXX XXXX was allowed access to those funds without all the necessary and required endorsements, and a violation of Chase Banks own deposit account policy! 

A complaint has been filed with the XXXX XXXX XXXX Department for fraud and theft against XXXX XXXX, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from XXXX was marked verified as accurate and has different dates from the original verified as accurate response. Equifax also states the information is verified as accurate with completely different dates from the XXXX report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the Equifax and XXXX reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both XXXX and Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am a XXXX XXXX  and have served my community during COVID pandemic and have been a healthcare worker for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my mobile clinic due to this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-12-03
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Professional credit services that a medical bill has been sent to them. I do not even know what is happening as XXXX was taking automatic payments out of my debit card. 

Has this been reported to the credit bureau? If so please give me proof of this debt- I am dis tubing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: MI
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:
I requested to Have item removed because I Am a victim of fraud they said information was verified which is False I requested Proof of Validation They failed to reply its been past 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 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
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 Report act XXXX  Account XXXX XXXX XXXX # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 USC 1681.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In XXXX, Bank of America unilaterally closed one of our bank accounts. The reason they provided was that they could not verify one of the names on the account. I don't believe that BoA actually attempted to verify my son 's identity. Based on that action, we closed all of our BoA accounts to include credit card accounts with the exception of one LLC account. My complaint is that BoA kept one of the credit cards active after we had requested that it be closed. In early XXXX, while collecting information for our tax returns, I discovered that this credit card account was still open and had accumulated charges, late fees and interest in the amount of {$170.00}. My issue is not the dollar amount but the fact that BoA filed a negative credit report with all of the credit reporting bureaus. When I discovered this I filed a dispute with BoA and BoA ruled in our favor erased all outstanding charges. However, BoA has refused to write to the credit bureaus to let them know that they filed the negative credit report in error. In the meantime, my excellent credit rating has been reduced to good which negatively impacts me. I am requesting that the CFPB direct BoA to take all actions necessary to repair my credit which has been harmed by their erroneous action.

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