BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Statement NOT sent so that XXXX could apply a late charge and increase interest rate because payment not made by due date. Since statement NOT sent or received I had no knowledge of due date or amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
We're in the process of refinancing our primary residence, but it's on hold because we're unable to get my credit score w/ Experian. I have my credit rating w/ XXXX XXXX XXXX XXXX But Experian is stating I have too little credit history to rate me therefore not scorable, but why XXXX XXXX XXXX are able to? We are updated w/ our XXXX mortgages under joint account w/ my wife with XXXX XXXX  XXXX XXXX XXXX. ( just FYI ). I'd attempted several times to talk to a live person but no specialist was available according to their automated answering service. I attempted to file my complaint w/ them online but it's marking unable to take it, so I left it on their website anyway. I've been trying to contact them for several days hoping I could talk to anyone there or at least file my complaints to no avail, hence, I resorted to this. Earlier today they're responding to me by urging me to enhance (? ) /boost my credit by putting an order w/ my credit card. I can't even request for my credit report w/o my credit card. I thought it's free w/o string attached. I need them to unfreeze my credit score ASAP, pls. Any further delay will cost us much if we miss out the low interest rate offered now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I requested Equifax to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XX/XX/XXXX Equifax completed their dispute process & advised that the public record was verified via XXXX as being mine & dated XX/XX/XXXX as the verification date. I have a letter from XXXX that my consumer report was frozen on XX/XX/XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XX/XX/XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. Equifax has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via XXXX on XX/XX/XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management XXXX posted a collection on my credit profile on XX/XX/. I was never notified about this and have never heard of or had a contractual agreement with this company. I found out about this derogatory report on XX/XX/XXXX and advised this company that they are in violation of the FCRA. I do not owe this alleged debt that they are attempting to collect from me through deceptive practices. I never heard of nor had a contract with this company. They continue their deceptive practices by placing remarks on my credit stating they meet FCRA requirements when they do not and can not validate the debt with wet signature stating I owe Credit Management LP anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2022-02-12
Company: Bread Financial Holdings, Inc.
State: IL
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 am a victim of identity theft and breached by several data breaches. I wrote to the three XXXX XXXX on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the three XXXX XXXX advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and 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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
ACH payments scheduled for XX/XX/23 were delayed. I contacted Chase on or around XX/XX/23 to inquire on the status of my deposit and was told they were working on processing ACH payments but did not know when the funds would become available. I explained that I would receive a late fee from my landlord due to NSF and was asked to visit a branch to request reimbursement if a fee was assessed due to the delays. Additionally, they noted I would not incur any fees by Chase. The funds posted to my account on XX/XX/23. 

On XX/XX/23 my landlord issued a {$25.00} NSF fee and a {$50.00} late fee on XX/XX/23. 

On XX/XX/23 I visited a branch in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with the teller, providing a copy of my tenant ledger, I requested a reimbursement for the late fee assessed by my landlord. She instructed me to contact the claims department via telephone and said they are unable to process my request in branch. 

On XX/XX/23 I contacted customer service via telephone at XXXX and was transferred to the claims department. After speaking with the representative, it was made clear to me that they would not provide reimbursement or credit for the fee because the fee did not originate from Chase despite me explaining the situation and the cost being a direct result of delays related to the ACH deposit mishap in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Had a vehicle loan for our XXXX XXXX in from XXXX XXXX XXXX XXXX  we made our payments on time every month with Wells Fargo. Our monthly payments were {$310.00} from XXXX XXXX XXXX XXXX Then in XX/XX/XXXX we called Wells Fargo Dealer Services to let them know that we would be makin a payment the very next day which was a Tuesday, and Wells Fargo agreed to this. I had off from work and told my husband he could use the car to get to work. He came back inside and said What car?!? Between Monday night and Tuesday morning of XXXX XXXX  Wells Fargo had repossessed our only mode of Transportion. We had to declare a XXXX XXXX bankruptcy with XXXX and XXXX to be able to get our vehicle back. We then had to find a ride to XXXX XXXX, Maryland to retrieve our vehicle. If Wells Fargo hadnt repossessed our vehicle we would never have had to file a XXXX XXXX bankruptcy. That bankruptcy was finalized on XXXX XXXX XXXX and this year it will be free and clear of our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from sunrise credit company, about a XXXX XXXX in which I stated I never had their services. I called them they gave me a email to send in something saying XXXX not responsible for the debt I did that no one has contacted me since than Ive asked for the original contract, the creditors information in which they only gave me a email, payment history as well as proof of ownership I was not provided none of those documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several overdraft fees. 
Then deposits by my employer were not available for withdrawals.

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 2022-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In my XX/XX/XXXX Chase XXXX XXXX Credit Card account statement, there was an enormous charge made on : XX/XX/XXXX at XXXX * XXXX XXXX XXXX XXXX for the amount of {$2100.00}. 
It appears like the transaction is for something that was purchased in Hawaii but I am based in California. 

We tried to contact Chase several times throughout XXXX, XXXX, and XXXX, but every time we contacted Chase, they said they would look into it and get back to us. The truth is, they never did and there was no refund or resolution on the issue. 

As a result, we are contacting the Consumer Financial Protection Bureau today on XX/XX/XXXX, nearly eight months since someone had fraudulently used our credit card for this purchase. Currently, we have paid off the amount because Chase has threatened us that if we do not pay this amount, our account will incur late fees and additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX 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  Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be XXXX XXXX accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With 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 2022-03-21
Company: Experian Information Solutions 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

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 2019-10-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. Macy 's and XXXX accounts were open.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-21
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Grimm collections is reporting two seperate accounts on my credit report one with an bi weekly increase of interest reporting on my credit report. Both accounts with different opening dates, both accounts are reporting as derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: PROFICIO FINANCIAL SERVICES, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Proficio Financial Services has listed an amount owed to XXXX XXXX XXXX XXXX in the amount of {$1800.00} original amount ; {$2200.00} owed as of XX/XX/2020. I recently saw this reported on my credit report, listed under accounts for collection. Proficio Financial Services never provided me a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The problem is with the repayment and the advice/directions of the company. I recently had a baby and attempted to get help with repayment options. Every customer service rep suggested something different all resulting in a deferment or a forbarence. My loans are about XXXX. I have never missed a payment or been late because my credit is important to me. When the reps suggested deferment, they are capitalizing on my loan which is frustrating. I try to stay on top of the payments. Most recently I was notified my payment was going to increase to about {$550.00}. I filed separate taxes from my husband, as suggested by Fed Loan, and submitted a new IDR request through the gov student loan site. My XXXX lender accepted to app and tax information and everything was good. Fed loan denied my request, because it was recertified in XXXX, pre filing separately. They sent a letter stating if I wanted an early recalculation to please sign the form and return it. I complied and uploaded the form on XX/XX/20. I called today, XX/XX/20, to ensure the due payment wasnt going to get submitted to credit reporting because I was waiting for my recalculation. The rep said they didnt have the request and I was going to have to submit another application. I reread the letter their company sent me and she said, '' ya but ... XXXX '' I recapped what she said, at this point being extremely frusterated, and she said that my application would be denied and I needed another application submitted to recalculate payment. I asked her why the letter was sent out that stayed if I signed it, they would recalculate my payment. She was polite but basically ended the call. At this time, I am unsure if i need to resubmit an application or if the signed letter, that they send me, is going to recalculate my payment. I hate this company and they are so hard to deal with. Please help me. I just want an affordable payment. I am not trying to get out of paying my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax I have disputed this account for 6 months with you XXXX, the XXXX CFPB, FTC, Attry Gen CA No one can get any evidence on this account that I made it or its mine inXXXX I filed a fraud alert as got a pin from the IRS because someone was using my information .Enclosed is copies of responses that show there is nothing. I know you claim you do an investigation but you can n't tell me that these goverment agencies can n't do better than you in a investigation because they get no response also. I contacted the FTC on XX/XX/XXXXby phone they had nothing to report also, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it can not be verified it is removed I don't by mean old information you use but by up to date investigtion as these companies have tried .Please do not send me a templetere3sponse THERE'S NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT.REMOVE IT also any response will be forward to the CFPB, FTC

Company response to consumer: Closed with non-monetary relief