BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
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 am an American Express Credit Card holder and have recently experienced a troubling and deceptive practices by this vendor. For example, I recently paid my account in full for XXXX statement ( closing date XX/XX/XXXX ) before the due date of XX/XX/XXXX. Per the credit card statement disclosure in my XXXX statement, it states : Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. 

I paid off the entire outstanding balance in XXXX and before the due date, therefore why did I accrue interest? American Express was able to waive the interest under a one-time courtesy, however as a consumer I was compelled to raise my hand after seeing the printed disclosure reflected on my statement and via the CFBP website. The American Express online billing allows a consumer to pay minimum payment, statement balance, total balance and other amount. I was told by American Express if I wanted to avoid interest charges, I would need to call customer service for them to generate a payoff balance and make a payment with the representative. Again, very deceptive practices, given my choice was to select total balance in full and I was still charged interest. All the options to pay off a balance via their online application, neither of the options calculate an actual payoff balance. This information again is not stated on their disclaimer, on how to truly avoid interest. One must call and speak to an agent. 

Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Personal information incorrect

Complaint:
All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by XXXX, Equifax and XXXX .... causing me a lot of problems in opening an online savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: TX
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 and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. XXXX  is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an issue with our account that was for a promotional purchase in XX/XX/2019. I was approved for promotional pricing ( 36 months zero interest ) through this credit agency as a 3rd party through my air conditioning company. There was no indication of any fees added beyond our promotional price. The cards were never even activated or used beyond the purchase made to this company. I applied via the application online provided by the air condition company and got instant approval. I did not receive any indication that we were being charged another fee. As you can see from the attached email from the AC representative, it is not something they can even offer during the application process according to their Synchrony rep. We were approved for {$9400.00} but were only charged for the unit at {$7700.00}. Due to an added " Card Security Fee '' that we DID NOT sign up for, we have paid well over that amount within the the 36 months promotion. They are also saying we owe {$1500.00} in fees and interest on this card security charge. Apparently, we were signed up for a card security plan that we did not opt in and then charged interest on top of it. According to my records, we have paid {$9700.00} and instead of our promotion being paid off, it was being applied to interest and fees we were not supposed to incur. At this point, I have spoken to 5 representatives both electronically and over the phone and each one has told me something different. I have been told that they can not send us our original loan agreement because it violates their policy. I have been told that the loan agreement was sent, but we never received it. I have been told by the representative for the air condition company that they do not automatically add card security and I have been told by the Synchrony employee that they do, in fact, add it in the application process. Also, opting into e-statements is added as a perk when in actuality it is more smoke and mirrors to conceal further predatory loan practices by concealing fees and services when e-statements are limited to only 24 months online and not making loan agreements available. When viewing the loan information online for the balance of the promotion, it appears that there is no interest being charged. You must look at a detailed statement to see the additional fees being snuck in. In 36 months we never missed a payment, even during a pandemic. Yet, we are being punished by their own predatory measures to ensure they collect their fees. When setting our account to autopay a payment for 36 months, we put trust in your credit company that our promotion would be met on time and within the terms we agreed. Thank you for your cooperation.

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
Consumer complaint received 2023-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck from work on XX/XX/2023 with USAA. I noticed there's a hold on my funds. When I called customer service, they said the hold is there until XX/XX/2023. 9 days for me to get access to MY money is unacceptable. When I deposited with chase, I'd have everything by the next day. USAA is suppose to be for Military and Veterans but this doesn't help when we can't have access to our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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:
Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.

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 2021-10-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to XXXX XXXX and Equifax and they have refused/ ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have unknown addressses on my credit report and NCA ( XXXX XXXX ), has appeared without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.

I received a copy of my credit report, and to my surprise they are reporting this account incorrectly. This collection account is being reported not only as OPEN, but also shows a pst due balance. 

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.

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 2023-06-20
Company: EQUIFAX, INC.
State: MI
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions 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:
In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX credit card account that shows a charged-off status with a recent {$1300.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX 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 2021-10-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 we ( Suburban XXXX XXXX XXXX XXXX ) sent a wire to PHH Mortgage Services Payoff Department in the amount of {$320000.00} which showed on the bottom line of a mortgage payoff letter, however that bottom line was not the payoff amount but the Original Principal Balance. The Payoff amount was {$280000.00} a {$40000.00} difference, when I called PHH I was told to send all documents to their research department at fax # XXXX, which I did. When I hadn't heard anything I called and was told they can not help me because the monies will be given to the mortgagee and not returned to us even though we sent the wire. Unfortunately the borrower has been in the XXXX  having XXXX XXXX and I am not able to get in touch with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the company on XX/XX/XXXX the company received my dispute on XX/XX/XXXX. it shows now XXXXand I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been attempting to dispute a specific " account '' reported to Equifax with incorrect information for several months now. 

I can not access my account. They do not seem to have a way for me to recover my account. No matter what instructions I follow. 

I attempted to log in to my account but Equifax says my account is locked. 

I have called in but they say they can not verify my identity. I have been through a few cycles of this. 

When I call in it is clearly to a call center. Highly likely outside of the United States based on my interaction. 

They asked me to verbally provide all of my Personally Identifiable Information ( PII ). Name, Address, Social Security Number, Email, Phone Number. 

Why not provide me with a link to verify this information? To secure my date! 

After they offered to send me a link because I was required to provide additional information to verify my identity. 

They say I failed my verification. So now I am required to mail them copies of the information : Drivers License, Social Security Card, Mailing Address... 

They never offered to send me back the documentation like with the Social Security or Passport Offices. 

I asked if I could go somewhere in person instead of mailing my documentation if I could go into a local place to verify like the post office or with a partner. They say if I want to go into an office I must fly to XXXX, GA to verify in person. 

I have tried resetting my password to retrieve the account it will not allow me too. They have no system in place to retrieve the password unless I verify my identity by mailing all of my PII to them. 

For A Password Reset. To Verify My Identity. While They Make Me Verbally Provide ALL of my PII To A Call Center Oversees. 

Does that make sense to you? Securing Data? 

So I still do not have access to the equifax account for several months now. 

Which affects my credit score, access to certain jobs, security clearance information, and purchasing power... 

None of this resolves my original issue. Attempting to dispute the incorrect account listed on my credit report. 

To address this issue I have used XXXX XXXX to file a dispute ( s ) but this has taken months and has been unsuccessful. 

REQUEST : I am requesting access to my Equifax account. Please review your security practices! Most importantly please dispute and remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX  stating there is a balance of {$600.00}. This balance is listed incorrectly. 

Additionally, this is medical debt. 

As of XX/XX/XXXX of this year, the bureaus no longer include medical collections for amounts under {$500.00} on credit reports according to the XXXX medical debt forgiveness. 

Please remove this from Equifax and all other consumer reporting agencies. I have made this request almost 8 times now in one way or another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/21 I tried to deposit a {$750.00} check at my Wells Fargo bank ATM ; after inserting my card, entering my PIN, and pushing the buttons to make a deposit, I was prompted to put the check into the ATM, and did so. After several minutes ( an unusually long period of time for a deposit ) the ATM said it was still " scanning '', and then the ATM shut down, and posted an " out of service '' message. I called the bank 's customer service line while on the spot, submitted a complaint, but didn't get much information. Went home, logged in, and saw no credit for my deposit ; the next day I still had no response from Wells Fargo, and I was concerned about only having the phone call, so I submitted the complaint to Wells Fargo online ( hoping to be able to provide more information, but unfortunately Wells Fargo online customer service is extremely limited to checking boxes, with no means of submitting details ). I ended up with two complaints with Wells Fargo, which were consolidated into Claim Reference No. XXXX. It is now the end of the third week after the event, without the matter having been resolved, which strikes me as unusual ( one would think Wells Fargo would've opened the ATM the next day, found my check that its ATM ate, and finished processing that deposit, with a final credit well before now ). How long should Wells Fargo be able to take to resolve a simple matter like this?

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
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card from Bank of America on XX/XX/2022, but I did not apply for it. Someone else, pretending to be me, applied for this card on XX/XX/2022. I tried calling Bank of America 's Fraud Department Line, but it kept asking for the last XXXX digits of my social security number, which I was uncomfortable giving since I had never applied for this card. On XX/XX/2022 I received a text message from BofA saying there was unusual activity on my account. I disregarded the message because I don't have a BofA account. I thought it was a scam to collect my information. However, this might be the case.

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