BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Two complaints. Amex is changing my interest rate retroactively on older purchases. I understand they can raise my rate at any time, but that should be the new rate on new purchases. They are changing my rate on old balances, which feels like it should not be allowed. The second, larger complaint. They have explained to me that because I am carrying a balance, I am being charged interest on purchases I make today ... starting that day. My understanding is that you get charged interest on balances that you carry over to the next statement period without paying off. They are telling me that if I make {$1000.00} of purchases, make a payment for {$1500.00}, meaning I paid for all my current purchases and paid down {$500.00} toward the old balance, I still got charged interest on the {$1000.00} of current purchases that were paid in full prior to the first payment due date after the purchases were made. If that is legal, it should not be. That is predatory. You should not be able to charge someone interest on purchases they pay off the first time you ask them for money. If I have a statement balance of {$1000.00}, and I pay {$990.00} and leave {$1.00}, I should get charged daily interest only on the {$1.00} remaining balance ; not every single purchase I make from that point forward until I pay the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not recognize how this account is reporting on my credit report. 
I dont recognize the account number nor do I recognize the account status. 
I dont recognize the Acc balance. Everything here doesnt meet FCRA

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting 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 tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my chex systems file. I have been fighting chex systems to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from chex systems  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact Chex Systems. it is a burden to me and not getting no resultion.

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 2023-03-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2023-03-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 was just made aware of an unauthorized fees on my account since XXXX, I called Lowes Synchrony and was told to call XXXX XXXX. This is a formal request to dispute all charges from XXXX  from XXXX XXXX as I did not sign up for their services. Attached is a copy of the dispute form along with a detailed workbook requesting the return of {$10000.00} plus any associated interest and late fees on my account. XXXX XXXX could not provide any proof regarding these transactions. I received all copies of credit card statements yesterday, XXXX XXXX, and have performed a detailed audit. I did not ever agree to signing up for this " service '' from XXXX XXXX as my credit card was set up in store.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-09-12
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello Consumer Department, I had Old Navy Credit card from last 10 years and never ever miss any payments. Last Talking with XXXX she is so rude from old navy fraud and investigation department, her ID XXXX Fraud Transaction details : XXXX XX/XX/2023 {$230.00} XXXX XX/XX/2203 {$13.00} XXXX XX/XX/2023 {$140.00} Old navy last card, I remember 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX   XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 2019-05-18
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. 

Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. 

Please PLEASE choose any other servicer. This company is predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Diversified Recovery Bureau LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One of my payday loans is listed on XXXX as XXXX and closed, written off. It was sold in XXXX to another company & XXXX is not showing that. I paid that company in full of XXXX with all the interest in XXXX of this year. The company gave me a letter of confirmation stating it is paid in full. It has all the info on it from the original company and the account # which matches XXXX 's info. I submitted it to XXXX dozens of times and they still refuse to list it as paid in full. Ive talked to them over the phone and they say the company has to call them. I told XXXX it was sold to another company and gave them the name & they finally listed it on the website but still didnt show it as paid. Ive called the company several times and they said they have called them. XXXX and XXXX have it listed as paid in full. I had to resubmit my other bills with XXXX many times over XXXX months to finally get them to list all of my other bills that Ive paid in full. It was like pulling teeth with them. They refused to let me talk to a manager or supervisor. They said someone would call me & they never did. Im trying to qualify for an apartment now & need this fixed. Its been since XXXX of 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 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Update my personal info and delete the account violating the FCRA

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 2023-03-17
Company: Upstart Holdings, Inc.
State: AR
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Public record information inaccurate

Complaint:
Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX  bankruptcy from XXXX. I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: 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:
I have been trying to use my Amex e-card gift card online for the past several months. I have talk to the customer service reps and used your web site to try to resolve this problem. Telling me to find a retailer who accepts this card was your advice. What a joke! No one takes it. XXXX, XXXX, XXXX XXXX, and many more declined it. I was issued this card as a refund from a warranty on a product. I would like a total refund of my XXXX plus dollars. This is down right theft as I can not use the e-card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to report errors pertaining to a PAID XXXX charged-off account XXXX The Payment Status is incorrect because this account was PAID in XX/XX/XXXX. 

The Date Opened is incorrect ( as the other CRAs report different information. ) The Date Last Active is incorrect The Date of Last Payment is incorrect. It shows XX/XX/XXXX. 

The Account Type is Incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 purchased XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/18 for {$2500.00}. I tried to cancel the purchase On multiple occasions, because it was not anything as they described it to be. They refused to cancel. I disputed the charges on XX/XX/18 with my Capital OneCredit Card. I sent all the information they asked for other than a second opinion on letter head. In which I tried to get but everywhere I went they were afraid they would be pulled in to court and were not willing to help other than to advise me to call the SEC & Finra. At this point Im not even sure if what XXXX XXXX XXXX is doing is leagal, as crypto is not regulated yet. ( How are you supposed to get a second opinion if they are the only ones offering this service? ) To make a long story short I finally received a letter from them stating that I would receive a refund of my {$2500.00} on XX/XX/18. I have called and faxed Capital One this information, all I have received is a run around. They stated that it could take up to 3 weeks to post to my account. Well, here I am 10 weeks later with NO REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Statements/ billings for months already paid and payments cashed.

2. Late statements.

3. Inaccurate totals on statements.

4. Extra principle payments misapplied to wrong accounts.

5. Failure to correct statements after repeated phone calls.

6. Cashing monthly mortgage payments weeks after mailed.

7. Failure to respond to written letters.

8. Past due charges made on payments already received.

9. Failure to adequately service my loan

Company response to consumer: Closed with explanation