BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2023-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Have equity line of credit account ( $ XXXX ) with Citizens linked to a checking account that exists only to support the HELOC. 

Annual fee on HELOC was paid automatically out of checking account and triggered a minor overdraft ( {$20.00} ). Citizens sent out e-mail notice XX/XX/XXXX ( a Saturday ) notifying me about overdraft and suggesting I have until XX/XX/XXXX ( Monday ) at XXXX to make an eligible deposit or transfer. I transferred funds the same day online ( XX/XX/XXXX ) as suggested to balance the account. I did not receive any further communication since and assumed the matter was taken care of. 

On XX/XX/XXXX, I noticed that Citizens had charged me {$35.00} on XX/XX/XXXX in overdraft fees, another {$30.00} on XX/XX/XXXX and yet another {$30.00} on XX/XX/XXXX. 

I called the bank the same day asking to reverse the fees in their entirety, which they declined. {$95.00} in fees for a {$20.00} overdraft is not in a reasonable proportion, especially given that I followed their recommended solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My payment for my XXXX statement balance of {$2200.00} was processed on XX/XX/XXXX, one day after the due date of XX/XX/XXXX and I was charged a late fee of {$29.00} on XXXX/XXXX/XXXX. I contacted an American Express representative on the American Express website on XXXX about the late fee and they agreed to reverse the {$29.00}. 

On XX/XX/XXXX I was charged an interest charge called " Interest Charge on Pay Over Time Purchases '' of {$50.00} and contacted American Express to question the charge. I was told it was an interest charge applied to my XXXX balance because the payment was made XXXX day late but they agreed to credit me {$25.00}, half of the interest charge. I told the representative at this point that the charge is not described accurately and that I had signed up for a {$0.00} interest rate on purchases through XX/XX/XXXX with American Express. At this point I thought I had sorted through the charges associated with the late payment made on the XXXX balance since the balance was already paid in full on XX/XX/XXXX and I already discussed the late fee and the interest charge with American Express representatives on XXXX separate occasions. 

I paid my XXXX statement balance of {$1900.00} in full on time and received an " Interest Charge on Pay Over Time Purchases '' on XX/XX/XXXX of {$170.00}. I did not know what this charge was in reference to since I do not have any outstanding balance and contacted an American Express Representative on their website. I was told that American Express charges a " XXXX XXXX '' for XXXX months, even after the initial outstanding balance has already been paid in full. Even though I settled my XXXX balance the day after it was due and had already paid a portion of the XXXX balance interest charge, I am getting charged a interest fee for a second month. This second interest charge is not applied off the XXXX balance in question, it is applied to my XXXX statement balance even though XXXX balance had nothing to do with the interest charge. The representative I chatted with on the American Express website could not explain to me why I am paying interest for XXXX months on XXXX outstanding balance that was paid XXXX day late. I spoke to another representative on the phone who was a secondary level of escalation for issue review and she told me it is clear what Trailing Interest means because it is part of the paper statement. I do not receive any paper statements and when I review my transactions on the American Express website it is not readily apparent what my interest charges are related to nor that there is a Trailing Interest charge. The first representative I spoke with in XXXX to reverse the late fee and the second representative I spoke with in XXXX to give me a partial credit on the interest fee never told me about this Trailing Interest that I would have to pay for a second month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have no knowledge of these inquiries or collection accounts. Collection company or inquires can not provide information

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 2023-05-17
Company: U.S. BANCORP
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I learned that someone had attempted to apply for credit with Elan Financial on XX/XX/. I called Elan Financial and they told me Fulton Bank has funding through Elan Financial. I spoke to XXXX at Fulton Bank. He stated the fraudster presented what looked like a legitimate drivers license. 

I, along with my representative from XXXX XXXX XXXX ( XXXX ) called Fulton Bank at XXXX and spoke to XXXX about the inquiry on XX/XX/. They have an investigation about the application that was put in on the 9th and they pulled the credit report again on the 12th to decline it. They flagged the account for fraud. A bank account was opened also that is now closed. The investigator at Elan Financial is XXXX XXXX at number XXXX. I was told XXXX XXXX would contact me. I have never heard from him. 

Around XX/XX/ I received two alerts from XXXX XXXX XXXX that a new account was showing on my XXXX and XXXX credit reports for Elan Financial. My XXXX rep and I contacted Elan Financial and spoke to XXXX. We found out an another account had been opened with a {$20000.00} credit limit and NOT CREDIT CHECK BEING RUN. 

THIS IS UNACCEPTABLE!!! I did my due diligence to make sure this account was NOT opened by putting a freeze on my credit through all 3 bureau 's, and yet Elan Financial opened it anyway. 

CONTACT INFO : Fulton Bank XXXX XXXX ) XXXX Elan Financial ( XXXX XXXX - Fraud Investigator ) 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I was recruited for a job at XXXX in XXXX XXXX and they required a background check that included a credit check from TransUnion. TransUnion suppressed my report, and for the past month, I have been going back and forth with them trying to solve it. XXXX has rescinded my job offer due to the delays, which they have told me multiple times was fixed and that I shouldnt be having issues ( this was recorded on my end ). They were made aware of this in late XXXX, but they didnt tell me how to fix it until XX/XX/XXXX, when I was told that everything I had been told was incorrect and that I needed to send a written request. Because of this massive delay, my offer at XXXX was rescinded, and they have yet to fix the issue. I have calls recorded with them telling me different stories about my suppression, but theyre too large to upload.

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 2020-02-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I write once again to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

This year, the problem is with my sons credit report request. He requested his free annual credit report using the toll free number XXXX XXXX XXXX on XX/XX/XXXX. After allowing the required 15 business days to pass, he called the Equifax support line on XX/XX/XXXX, and was told that his file did not have sufficient data and he should send copies of his social security card and drivers license through the mail so that Equifax could fulfill the request. 

This makes no sense as the other services that provide credit report information ( XXXX and XXXX ) have been providing my son with his annual credit report ( as required by law ) since XXXX without any problems. 

I had a similar problem with my Equifax credit report request in XXXX, when Equifax did not send my requested report. ( Similar to my sons situation, I requested my report on XX/XX/XXXX, using the toll-free number ). Equifaxs excuse for not sending that one was that they never received a request for my credit report. They only sent me my report after I wrote a complaint letter to the CFPB ( complaint number XXXX ) in XX/XX/XXXX. 

This has been a continuous problem with Equifax, as they have failed to fulfill a request for an annual credit report from one or more of my family members each year since XXXX. Ive only complained last year ( and again this year ) since I have noticed that Equifax routinely fails to adhere to the law and fulfill these requests ( while all requests to the other credit report agencies have been fulfilled without any problems ). 

I am again filing a complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter. 

I also believe that the CFPB should investigate the reasons why Equifax seems to have such trouble fulfilling these requests while the other credit report services dont have any issues. 

At the very least I would like to see Equifax issue my son the annual credit report ( as required by law ) that he requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submit my mortgage payments to Rocket Mortgage electronically. In XX/XX/2021, I submitted the payment electronically but was told I used the wrong account. I was charged a late fee of {$50.00} TWICE ( XX/XX/XXXX and XXXX ) for a total of {$100.00}. The company stated the issue occurred in XXXX but I was not notified via mail nor did it show on up the electronic statement until XXXX, 2021. The total in fees was {$100.00}, and due to flaws in their online system I was FORCED to pay the fee with when paying my XXXX mortgage. I changed the checking account from XXXX to XXXX in XXXX, BUT I believe when the company updated their system in XXXX ( changed from Quicken to Rocket ) they changed it back to XXXX. Rocket states it was NOT their fault but rather their service provider XXXX. I asked Rocket for documentation which states a {$50.00} fee would be charged for 2 presentations of NSF electronic payment but as of today - XX/XX/XXXX, I have yet to receive it. Rocket told me to check with my bank but if the bank was XXXX, that would be impossible because that account was closed in XXXX. Rocket Mortgage does not have any information on Fees charged for electronic NSF on their website and I have requested that multiple times of the past 45 days. I feel the fees were excessive and the response and lack of fee documentation unacceptable, especially the 2 month delay in the fees appears on the electronic statement ( email communication went to spam and Rocket claims I entered the wrong mailing address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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:
My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
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:
XXXX and Experian are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.

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 2023-06-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a care credit account with deferred interest. Over XXXX  years I have made every payment on time never received warnings about end of promotion period and have been charged close to XXXX dollars in interest on about XXXX in charges. I have called several times to dispute the interest and to offer a payoff to no avail. There lending practices are predatory I would never have opened an account had I known the insane amount of interest charged.

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 2020-02-27
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive my credit report on XX/XX/2019, for {$150.00} from this collections company Medicredit Inc., I do  not owe this debt and want it removed from my reports 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 explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: CA
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:
Corporation charges my card fraudulently and closed accounts without my consent, after several billing errors. Next, furnished false and inaccurate information to third parties. Corporation is negligent and non compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Yes they have charged me this is in XXXX of XXXX they would take it money out of my account when I know that money was in there and when I go to withdraw my money is not there I have an overdraft and dealing with and they say that they looked into it but they said nothing happened and I had to pay them back money which I knew my bills were covered I live on a social security and they left that they left me really messed up and almost and almost homeless and I'm still fighting with them now {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am filing a complaint against XXXX. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by 7 points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. XXXX is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.

Company response to consumer: Closed with explanation