BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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: Charged too much interest

Complaint:
I have been an Amex cardmember since XXXX  and recently opened a new account. As part of this I assumed that the automatic payment set up on my other card would continue onto my new card. Only after the payment date passed did I learn that this was not the case. On XX/XX/XXXX I called and requested that the late fee be waived for this misunderstanding and this was done. During this call, I was not told that I would be charged interest and that the interest would continue. To date, I was charged {$180.00} in interest fees on XX/XX/XXXX ( with more coming on in XXXX bill ). Had I known that interest would continue to be charged, I could have changed my card usage. 

In a phone call on XX/XX/XXXX, I requested that the exact calculation for how the interest charge was calculated and was told that this is not possible. Without knowing the correct formula with the actual numbers used, I can not know if I am being charged correctly. 

Based upon my usage until the date of XX/XX/XXXX when I made payment to AMEX, I should be charged no more than {$71.00} ( this is the outstanding balance on XX/XX/XXXX of {$4600.00} x the daily compound of an XXXX of 18.24 % ). All interest charges beyond that should be credited back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: SYNCHRONY FINANCIAL
State: MN
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:
There is a hard inquiry from SYNCB on my credit report, I have not applied for any consumer loans, mortgage or credit cards. The inquiry is dated for XX/XX/2019. 

SYNCB XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
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:
I HAVE NO IDEA WHO IS TRYING TO GET A CAR LOAN IN MY NAME OR USING MY SS # BUT IT IS NOT ME XXXX XXXX XXXX! IT IS AFFECTING MY CREDIT SCORE AND I RECEIVE A OFFER AT LEAST ONCE A WEEK THAT I DID NOT APPLY FOR! I WANT IT TAKEN OFF ASAP! IT SAYS XXXX XXXX XXXX WAS WHEN IT WAS FIRST APPLIED FOR AT XXXX XXXX I DID NOT DO IT! I CAN NOT AFFORD A CAR PAYMENT WHY WOULD I APPLY? PLEASE TAKE IT OFF NOW XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX submitted an erroneous debt of {$320.00} to the credit bureaus. When I was unemployed, I went to their site and filed for unemployment benefits during the weeks I was unemployed. When I started work, I also went to their site and told them when I started work and claimed my statements were true and correct. 

In addition, the unemployment office contacted my temp agency to verify my start date and the temp agency provided them with an " estimated '' start date and not my " actual '' start date. 

The unemployment claimed they sent me a form to complete and because the form was not submitted back to them timely and my temp agency never provided them feedback, they went ahead and reported this error, untrue and incorrect debt to the credit bureau despite the fact that they have record that I had submitted the form although untimely ; that I sent them correspondence electronically and through the mail about my actual start date being XX/XX/2017 which I claimed online ; and the fact that I claimed my actual date I found work. 

I recently sent their collection agency United Collection Bureau and the XXXX XXXX XXXX XXXX correspondence explaining their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
THIS IS A NEW ISSUE AND COMPLAINT AGAINST WELL FARGO. My car was totaled and the insurance company paid Wells Fargo the insurance reimbursement. I then was left with a XXXX balance on the loan with $ 570 monthly payments ( attached statement ). This all happened during Covid19 crisis and during this process I lost clients and my income was cut in half. It tried working with them on several occasions to reduce the monthly payments and they refused. They offered no Covid19 payment options and also said they weren't offering any re-financing options. I filed a complain with you/CFPB and a representative replied they would work with me and call them. I called and they still refused to work with me on any type of payment plan or refinancing options. I then received a letter in the mail ( attached ) that said I had to pay the entire balance immediately and have posted two late payment credit reporting which has brought my score way down and is severely hurting me. I'm requesting an investigation at this point as I do not know what to do as they falsely saying they will work with me. At this point I may have file bankruptcy and need help.

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 2022-04-06
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted Valley Servicing who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am having checking accounts opening in my name that I have not opened. Someone is opening different accounts utilizing my personal information. Ive had a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and Citizens bank. I keep calling and closing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN
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:
ON XXXX XXXX I NEVER BEEN LATE FOR A CAR LOAN I OWED TICKETS TO THE CITY OF XXXX THE FINANCE COMPANY TOOK THE CAR I WAS WILLING TO PAY THE FINANCE COMPANY FOR BOOT AND TOW FEES BUT THEY PUT REPO CHARGES ON THE CAR HOW IS THAT I DONT OWE THE FINANCE COMPANY SO I AGREE WITH AUTOMOTIVE CREDIT COPORATION TO GIVE THE MONEY TO THEM XXXX XXXX AND THEY AGREE THEY WONT REPORTED TO THE CREDIT BUREAU THEY BROKE THE AGGREMENT WITH ME MY CREDIT ALREADY DEEM SO ONLY THING IM WILLING TO PAY IS BOOT FEES NOT NO REPOSSESSION BECAUSE IM NOT LATE ON CARNOTE I TRIED SEVERAL TIMES WITH THEM XXXX XXXX THE MANAGER HAS REPEATLY GIVEN ME PROBLEMS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/XXXX XXXX I cant say this more emphatically, I have never had a TRANSWORLD/XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: FISERV INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I've been using XXXX XXXX insurance for some period ( purchased thought the XXXX XXXX, then at XX/XX/XXXX I canceled the contract ( which is clearly seen in the marketplace, see attached ). 

I used to pay their bills with my banking account via ACH, though I didn't authorize any autopay or recurring charge. 

Then on XX/XX/XXXX I got an email ( attached ) that I was charged for XXXX XXXX bill, and payment was processed by XXXX XXXX https : //www.fiserv.com/XXXX ), a scam looking payment provider whom I was unable to contact anyhow ( their 'customer support ' mailbox for example simply bounces any email ). 

I login to their online account through XXXX 's website, and canceled this autopayment which I never ever authorized. There I found that this 'authorization ' I supposedly made on XX/XX/XXXX ( see attached ). I double-checked my browsing history : no, I didn't login to their service on XX/XX/XXXX. Actually I never login to their service before I they charged me without my authorization. So I couldn't authorize this autopay. 

Earlier in XXXX I got email from XXXX that they changed their payment provider. It seems like they disclosed my payment details to the XXXX XXXX, and authorized autopay for me without my consent. It's a clear fraud. 

Another interesting thing : this payment is not shown in XXXX XXXX statement ( see attached ). And XXXX has a very unprofessional online service so there is no payment history there at all. Moreover, I can't edit my payment methods, and for example I can't delete my banking details. Thanks God I was at least able to cancel this autopay.

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 2017-10-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a full packet of documents via XXXX, with a notarized Fraud Affidavit, and other documents that I also emailed to XXXX XXXX XXXX Department on XXXX to Resurgence via certified mail. I did not get a letter from them stating that that received my documents. Instead, I received a letter yesterday XXXX summoning me to court. There are no dates or anything. No court date. It was filed on XXXX with the XXXX XXXX for a substitute appearance. I did not get so much as a call or response, just court paperwork. I do not know if this is legal but its quite unorthodox and does not seem like a professional practice. I do not owe this debt because it was never mine & I never received any correspondence from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Person offering services website was hacked and person posed as them to get money sent directly to them on XXXX, on XX/XX/22, in the amount of {$200.00}. Was told by Wells Fargo on XX/XX/22 that because it was through XXXX it is impossible to be able to reverse any fraud charges even though my account reflects that the charge is still pending.

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 2022-10-03
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I contacted roundpoint mortgage to request forbearance Becuase of my remote employment is affected and my pay has been reduced due to my employer based in XXXX XXXX, XXXX which an area based in FEMA declared natural disaster area that qualifies for individual assistance. My request was unsuccessful and the agent on the phone was very rude and unhelpful gave no clear answers.

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 2017-10-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am transferwise user and I had large amount on money in my account. on XXXX XXXX my account was hacked then I told to wise immediately. transferwise answered me that they have closed my account to safe my balance in wise account they also said that my money is safe and secure. 

they advised me to create new wise account and get in touch for refund of balance I did that but after some time they also deactivated my other account. 

so i need my refund from transferwise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$2300.00} ; DEPT OF EDXXXX XXXX Balance : {$3800.00}

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 2022-03-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried several times to file a dispute with Experian to correct my report regarding XXXX XXXX XXXX XXXX. I filed for a Chapter XXXX bankruptcy XX/XX/21 and received a discharge order. 

XXXX XXXX continues to indicate that the account is open has been unpaid for more than 180 days.

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 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries on my credit report that I 'm not aware of reported by creditor and the credit bureau. I sent a police report several times, along with other documents so that American Express XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.

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