BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I was charged {$3.00} in interest because they say I only paid {$200.00} instead of XXXX I can only pay what the website shows me is due. I would not have sent in XXXX if the bill was XXXX. XXXX is not an even number. I then sent in XXXX XXXX XXXX XXXX. Next statement says I made {$950.00} in payments. Clearly the previous XXXX should have been paid and all or most of the next months bill should have been paid. Well I was charged another {$9.00} in interest. I asked on what balance? I was told the whole balance. I said but you received payments and did not take that into account. I do not receive statements and I pay my bills early to every credit card I have. I am never delinquent. Their website is very antiquated and lacking information. I pay the amount given to me and it seems every month I am behind somehow and accrue interest. This is a rewards card that has no rewards page. I can not see any transaction history anywhere on the site. When I ask about it I am told to take their word about. it. I asked for paper statements maybe it will have it on there. My website says I am supposed to get paper statements but their website says Im on paperless. I am never late however when most companies were working with their customers this company just keeps adding interest even after receiving my payments.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo for over years has charged me multiple fees, and I have never been refunded after I asked several times. Finally now after laws have passed they can no longer overdraft my account but what about the hundreds of fees I paid. 

Thank you

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 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted formal disputes with Transunion, XXXX, and XXXX in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her XXXX report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.

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 2020-05-29
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
**This is my 3rd complaint filed against Ford Motor credit in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. XXXX My account with Ford Motor Credit, XXXX, was closed and paid in full 4 years ago. For years Ford Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that Ford Motor has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on XXXX. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID, and when I disputed it with XXXX, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have 2 letters from 2 people at Ford guaranteeing this was taken care of. And here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Upgrade, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I thought someone had made transactions from said account. I didn't do it but I did manage to cancel manually through online access. Startled, I asked for the account to be investigated and this brought on suspension since, XX/XX/2022. I called in several times and all accounts were stated as recorded. No one can release nor unsuspend my account from investigation. Therefore, I had the right to disregard the investigation and asked for cancel of investigation to open access to my account. My Rewards Checking account has {$340.00} of my own money in it and I have had NO access since XX/XX/2022. I need access to my funds or send me a check for the remainder is what I further stated before getting frustrated. Can't access my own funds is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
On my XX/XX/XXXX report there is a closed account with huge amount of missed payments. HYUNDAI CAPITAL AMERIC Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HYUNDAI CAPITAL AMERIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Allied Collection Services, Inc. (Nevada)
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, I received a collections letter from Allied Collection Services , Inc., to collect on an account from XXXX with a total balance due listing {$4400.00}. On that day, I also confirmed that they reported the overdue balance to XXXX and XXXX credit reporting agencies, and it's showing up as a derogatory account on both reports. I have never held nor do I currently hold an account through XXXX. Per the suggestion of the FTC IdentityTheft.gov site, I sent a certified letter to the collections agency reporting the fraud and including the required documents ( delivery confirmed on XX/XX/2019 ). As of today, Saturday, XX/XX/2019, I haven't received a response from the collections agency via mail, email, or telephone with documentation of the account nor is there any indication that they have begun the process of removing the account from either or both credit reports.

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 2021-11-02
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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
7. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to TRANSUNION 60 days ago AND i NEED your help to remove these account immediately from my credit report. 
Below are the following account that needs to be remove Did not consent to unauthorized inquiry XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Delete this account immediately from my credit report as they have failed to perform an investigation XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX account unknown how do you verify this information this account is in violation it was reported XXXX a valid evidence

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 2019-08-21
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a horrible company and even after a put a stopped payment with my bank from them going in my account, they still keep calling me and harassing me even calling my job. I think this company is a scam and they should be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted on my credit report : Credit Car Account : ( Discover IT ). Card ending in XXXX Showing late on the following dates ; XXXX XXXX *XXXX  XXXX, XXXX XXXX XXXX, XXXX * XX/XX/XXXX XXXX XXXX *XXXX  XXXX, XXXX *XXXX  XXXX, XXXX. 
Credit Car account ; ( XXXX XXXX XXXX ) ending XXXX Showing late on the following dates. 
*XXXX  XXXX *XXXX XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank closed account without notice, I contacted the bank and they said they will send out a notice up to now I have not received anything. I am a XXXX, and used the credit card to sustain our needs when I was in school. I have not made any late payments on the account. I also have a personal and auto loan with them showing prove of my responsibility of paying my bills on time. I do not think it is fair they are doing this to me. I contact them and they told me their decision was made due to credit reports. Now I called credit reports and they are telling me they did not sendany delinquent information. I believe they should take in consideration other factors and come up with an explanation to what they are doing to me, I will be affected. I have been responsible and trying to maintain a good credit report their decision was made without notification and as of today with no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I reahed out to Expirian several times and no answer from them about Incorect personal information on my credit report I demand for it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Should be deleted I never lived there. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy something from the company called XXXX, but they ask me to use XXXX to send money to different people. And I did't get my product.I called Chase to tried to get money back, but Chase won't. 
The details are : XXXX XXXX XXXX XXXX  : {$550.00}, XXXX : {$370.00}, XXXX : {$1000.00} XXXX XXXX : XXXX : {$180.00} XXXX XXXX : XXXX : {$590.00}, XXXX : {$290.00}, XXXX : {$970.00} XXXX XXXX : XXXX  : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian has misused my personal information I would like all information corrected and removed as soon as possible, all accounts and aliases and addresses.

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 2019-08-07
Company: Experian Information Solutions 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 am a victim of 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 2023-01-26
Company: CBC Companies, Inc.
State: NY
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:
I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: OneMain Finance Corporation
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:
Hard inquiries file on my credit reports have sent letters in that the inquires are incorrect and now filing a complaint XXXX it is affecting my credit and the ability for further future endeavors.

Company response to consumer: Closed with explanation