BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 made a payment for my XX/XX/2023 American Express bill by the due date but my payment was returned as " rejected '' even though my payment method ( checking account ) had the funds ready to be taken out. As a result of this returned payment, I was charged three fees : a returned payment fee of {$29.00}, a late fee of {$29.00}, and an interest charge of {$5.00}. I believe that American Express has been making more errors since this past year and in another instance involving this same card, American Express sent me an email stating they would be sending a new card but no card was sent until I contacted American Express multiple times to sort it out at great expense to myself.

I'm requesting American Express to remove these 3 fees and charges as the payment shouldn't have been returned and the funds for the bill were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Credit Central Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
What happened I got sick I was in the hospital my income was not the same any more I had to move out of town for awhile now they are harassing people I know and they will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: CO
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 a dispute on XX/XX/XXXX to Experian regarding a trade line that was discharged in bankruptcy but still shows as active and delinquent on my credit report. The creditor makes regular status updates to the account stating it is delinquent and it shows on my credit applications. The investigation was completed XX/XX/XXXX and Experian states that the entry was accurate and they refuse to take another investigation or fix the item. I submitted additional disputes on XX/XX/XXXX with Experian as there are more accounts discharged in bankruptcy that still have an open/active status.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please put an extended fraud alert on my 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: SC
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/23 I applied for a mortgage loan through XXXX XXXX. XXXX XXXX denied me due to Equifax reporting a XXXXXXXX XXXX, attached is adverse action letter. When I reviewed credit reporting score as of XX/XX/23 the score is reflecting XXXX score which was not reported to lender. I am unable to tell the discrepancy between the reports and would like to have corrected reporting score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with Tower Loan located in XXXX XXXX, LA. My first payment for my new account was due XX/XX/2020 however due to the pandemic I had a problem making that payment. As of today that payment is still past due however I had intentions on making that payment this week. I was told that if I did not pay the XXXX and XXXX payment that there would be legal fees added to my account and my wages garnished. My first payment is not even 60 days past due as of today however the branch manager XXXX indicated I am 60 days past due and that if I don't pay XXXX and XXXX in full legal action will taken place. To threaten someone with legal action and wage garnishment during a pandemic is disgusting. To add to my embarrassment of not being able to pay my payment as promised, XXXX refused to make any other arrangements with me as per XXXX " he could have sued me last month for this debt ''. What I don't understand is how if my payment was due just last month? I would like to make arrangements to catch up on my payments however the branch manager refuses. He refused to provide a number or email address to their home office, he only redirected me to the site. I have completed their complaint form twice and received no response.

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 2023-02-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Each company, XXXX XXXX and Paramount Recovery have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( XXXX ) which covers 100 %. The same is true for the other amount of ( $ XXXX+ ) XXXX found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: AL
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, XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXXXXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2019-11-10
Company: EdFinancial Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor EDFINANCIAL EDUCATION to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with EDFINANCIAL EDUCATION my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Penn Credit Corporation
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:
Someone used my name, information to for utility bill. The amount is {$310.00}. The date due was XXXX XXXX. XXXX is the utility company that was used in Michigan. The company sent what is owed to Penn Credit Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Transunion has the disturbing habit of making illegal, unauthorized charges on every credit or debit card number they possess. They have made at least 10 {$19.00} deductions from my debit account beginning at least from XX/XX/18 to the present. I would like the recurring charges to stop, a refund of {$190.00} and an investigation to see how widespread this practice is by Transunion.

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 2019-10-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I paid off my Amazon Store card through Synchrony Bank. This amount was for XXXX. They decided to take a second helping of the same amount. They told me they could not return the money and only cut a check later despite the amount of financial ruin this would have dropped on me by taking way more money than I had available to me. The actions they were supposed to take was wait for me to put a stop on my account to block the second charge. Then if all else fails issue a check. Well they issued a check anyway despite asking them not to, and now mysteriously they say part of my original payment is missing, despite it being paid in full as of XXXX and reflecting as much in my account. I have spoken with multiple agents whom blame my bank for this issue despite it being on their site that it has seemed to become worse with each passing day and every new interaction.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: MA
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:
Experian closed the dispute stating that my report remains unchanged after their reinvestigation, yet I have a letter from the creditor that supports my position and can not update the dispute. XXXX XXXX 's letter is counter to Experian 's findings, and so Experian should update the dispute and fix my 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 2023-01-13
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
CREDIT COLL XXXXXXXX Date Opened XX/XX/2022 Balance : {$170.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: AL
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:
THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE THIS IS NOT MY 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 non-monetary relief
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called to chase Bank twice. I think it was on XX/XX/XXXX or XXXX and explained that I was been scammed, that I wanted to cancel a XXXX payment. They explained to me that a XXXX  payment can not be canceled. If I had made a purchase online that I had to wait for ten days to file a claim. That's what I did I waited for 10 days and called again to file a claim for the XXXX payment of XXXX dollars that it I was a scammed online they they not file a claim or reimburse me the money they didn't do anything to help me. The only thing they said to report it to the police. Please help me I do not want other people to go though this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We tried to remove our PMI as according to two websites ( XXXX and XXXX ) and the selling housing around us is worth between {$380000.00} and {$390000.00}. Our original sales price was {$320000.00}, our original loan amount was {$300000.00}, our balance at the time of application was {$280000.00}. Based on those numbers, we applied in writing to our mortgage company TIAA Bank to remove our mortgage insurance as we owed 80 % of our house value. 
TIAA Bank informed us that according to our mortgage we can only remove the PMI if the house is worth 75 % of our current house value or 80 % of our original purchase price. TIAA Bank also informed us that if we wish to perform an appraisal of our house it will have to go through a company they assigned and we will have to pay the {$460.00} fee. Somewhat confident in our house value we ordered the appraisal. 
The appraisal was ordered and performed on XX/XX/2019 by XXXX and they assigned XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX. The appraisal showed a current value of {$300000.00}. 
Our complaint would be 1. We can only communicate with the department handling the PMI through mail. 2. We do not have any right or say in what company is used in the appraisal. We understand the house may not be worth exactly what the suggested websites suggested, but the difference is extremely great. 3. Is there a regulation on these misleading websites? The day after the appraisal was done, our house decreased in value according to XXXX to {$370000.00} ( from {$380000.00} three days prior ). We wouldnt have paid {$460.00} to have a appraisal done if we didnt feel it was close to the 75 %. 
What rights do we have as consumers? We were trying to get some breathing room with lower mortgage payments but instead we are out {$460.00} and a house that is according to the appraisal but not the market (? ) worth less than our purchase price? The house next door sold for over {$400000.00} less bedrooms bigger sq.ft, yet the appraisal do not include that to the comps?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2021 I inquired online regarding a consolidation loan with Upgrade Inc. 

I was asked to provide account numbers for the debt I was seeking to consolidate Within days I received notice that a loan had funded in my name and payments were sent to my credit union and several of my credit card accounts. 

I contacted Upgrade Inc and informed them I never received a loan disclosure or truth in lending statement, nor had I approved or signed off on an XXXX or monthly repayment amount. 

I returned money that was deposited to my credit union as well as had all money returned from my credit card lenders that was sent as a payoff. 

I received a letter from Upgrade stating that all money had been returned and that they were working to close the account and update the credit bureaus. 

I was strong armed into a loan without full discloser and transparency after making an online inquiry! 

They never made good on updating my credit report and intentionally sold the erroneous debt to a third party leaving me with a bogus charge off and detrimental credit rating, that is now costing me in higher interest rates as I shop for a home mortgage. 

MY CREDIT REPORT SHOULD BE UPDATED IMMEDIATELY AND NOT A WHOLE YEAR LATER! 

There are fair lending laws for the state of XXXX XXXX XXXX Upgrade Inc should not be above the law and strong arming the public into doing business!

Company response to consumer: Closed with explanation