BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
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:
I'm not exactly sure of the date and the amounts were {$35.00} per insufficient funds and fees applied causing my account to go into negative. Several times.

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 2021-07-01
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express has been charging monthly promotional balance interest fees and regular intetest fees in excess of $ 600 monthly over the past three years. I make monthly payment ranging from $ XXXX {$2000.00} and these exorbitant fees makes it impossible to pay off the balance. AMEX has not provided clear information as to what specific charges these promotional interest fees are related to so I have no way of verifing these fees are valid as per the amounts charged. They also just recently, in XX/XX/2020, lowered my credit limit witjoit notification and without explanation. I have been paying consistently on time since I first opened my accoint with AMEX an have always paid far above the minimum. These business practices are deceptive, not in keeping with the cardholder agreement, and predatory, specifically at a time when Americans are struggling financially due to the pandemic. There business practices arw incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: I.C. System, Inc.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2022-04-29
Company: GOLDMAN SACHS BANK USA
State: MN
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:
On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues. 

First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ). 

Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''. 

When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint. 

I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist. 

I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Old information reappears or never goes away

Complaint:
This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by XXXX that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not 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 2021-07-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification from XXXX XXXX XXXX on XX/XX/XXXX that our loan had been transferred for servicing to " Mr. Cooper on behalf of XXXX XXXX  '' with a link to set up a new account with Mr. Cooper. I have tried to set up the new account using the link every day since XX/XX/XXXX, but every time I get an error message that says " We're Having Trouble Finding Your Loan. ". I called Mr. Cooper today to try to verify that the loan had been transferred to Mr. Cooper. I spoke with two representatives, and I was told that they had no record of our loan in their system. It's been 10 days, and I am left in limbo, unsure who is handling our loan, no accurate communication from either servicer, and no way to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX mortgages XXXX of these mortgages are for rental homes XXXX is for my personal residence. On or about XX/XX/2023 I received a letter that XXXX of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. XXXX of the mortgages were transferred from XXXX to XXXX. Another XXXX were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all XXXX of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing XXXX at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Im XXXX, I purchased a VW vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted VW several times and no response they said that I owed money even though I receive letters from Vw credit and my insurance XXXX specifying it was paid off, they sold the so called debt to XXXX XXXX XXXX all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my old complaint # XXXX, I was emailed by Aspire that I will get prorated annual fee refund and the positive balance I had on the card total about {$92.00}, well I was told I would receive a check in the mail within XXXX business days, 17 days had gone by no sign of a refund. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a XXXX credit card for two years with a platinum status, and I enrolled for XXXX  Thanks for sharing rewards program for {$25.00} last year, which is a 10 % in rewards program for XXXX  Card holder once a year. I have earned around {$2900.00} rewards by shopping at XXXX with my XXXX  card in XXXX. However, XXXX closed my account on XX/XX/XXXX without telling me reason why its closed over the phone. At that time I dont mind not continue use XXXX  card but I worried about my rewards that I had earned, so I called XXXX   customer service asking if I still would receive my thanks for sharing rewards even my account is closed, the answer I got was a Yes, the rewards card would be sent out XXXX-XX/XX/XXXX. And I have been waiting and waiting. During the beginning of XXXX I tried to call XXXX   customer service to ask when I can receive my rewards card, mostly I have to wait for 30 mins each call without any certain answer, however, on XX/XX/XXXX a representative told me he had reissue my rewards card and I would receive it in 5-10 business day, so I had waited till XX/XX/XXXX I made another call, this time I was told I wont be able to get my rewards card due to account closed. I was shocked and I Said that I paid for the program and I earned my rewards, if I didnt shop at XXXX  I wouldnt get a penny from it. However, I was just told we cant issue you the thanks for sharing rewards card due to your account closed, its not me who closed 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 explanation
Consumer complaint received 2021-07-01
Company: LoanCare, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is against my mortgage lender Loancare who is not paying a third party debt collector who are trying to collect their fees on delinquent school district taxes.

1. First they did not taxes to school district in year of 2020 leading to involvement of third part debt collector who started sending me notices about delinquent taxes. We informed Loancare about it. The said they will solve it but didnt. No follow up was done.

2. We got second notice from debt collector with increased fees now due to delay. We informed Loancare about it. They said they will resolve it but didnt. No follow up was done.

3. We got third notice from debt collector with increased fees now due to delay. We informed Loancare about it. We started escalating as company did not show any responsibility and accountability. They again said they will resolve it but didnt. No follow up was done. They asked us to call them for follow up this time.

4. We called, they said they have resolved this issue. To no surprise, we got slammed with fourth notice with fees increased again.

5. I tried to escalate with multiple calls. The call center keeps transferring to different managers who says will call back but never do. They never let me speak to their supervisor. They never send any follow up email or calls. They dont allow me to pay off this debt collector and then reimburse me. I am so tired of them. I dont know what to do with their lies and irresponsible behavior.

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 2021-07-02
Company: EQUIFAX, INC.
State: FL
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent letters to all XXXX credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. XXXX weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are Exeter Finance XXXX XXXX XXXX XXXX bank and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
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 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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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 was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to 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