BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: AMERICAN EXPRESS COMPANY
State: IL
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 am contacting your office regarding American Express. An issue has arisen that would seem to be a cause for investigation of American Expresss practices that are causing customers as I, unwarranted charges. 

To explain : I am an American Express credit card holder. 
Questionable Fee and Interest Statement summary : Statement Due Date Date Mailed Date Posted Fees Interest XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$10.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$12.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} As you can see XXXX and XXXX mirror each other. 

Every other month in between XX/XX/XXXX and XX/XX/XXXX my payments have posted 2-3 days after mailing. 

The same months exactly one year apart and I am assessed late fees and interest charges. The same months exactly one year apart and it takes 14 days to post my payment, whereas it typically takes 2-3 days. This is to much of a coincidence. 

This can not be an anomaly, something is wrong. Something is happening at American Express every XXXX causing payments to be late. 

If it happened to me, it has probably happened to others as well and American Express is making a lot of money collecting late fees and interest charges across the spectrum of their customers during the timeframe mentioned above. This is not right. I have the means to pay these charges but many people may not. These late charges may also be effecting peoples credit scores and thus their financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: CO
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:
I have always made my payment on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On my XXXX  credit report Kolhs credit is showing current and they fixed my credit report but XXXX  and XXXX they did not fix the errors. This has been going on for two months going on three now. I have called kolhs, they said they will not fix it. One manager said they would. Then my experian report is fixed but my other two credit reports are not? This late payment was an error on kolhs part and they can pull every conversation with every representative. There system does not show pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2019-10-08
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX  and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from 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 2022-02-13
Company: Chime Financial Inc
State: NC
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 check XXXX XXXX regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my XXXX report, it showed a inquiry for a mortgage. This was back in XXXX Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: CA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EdFinancial Services
State: PA
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 have attempted to reach out to XXXX to dispute inaccurate information on my credit report that doesn't belong to me. I have provided XXXX with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In the process of buying a home TransUnion issued a credit report. I questioned the credit score and comments by calling TransUnion in early XXXX XXXX and was given very poor support in response to my questions. I then requested a copy of the report. The reported dated XXXX/XXXX/XXXX arrived at my home address on XXXX XXXX, XXXX. This report contains inaccurate information with respect to my employment and contact details, with the inclusion of contact details for my wife and son, but also numerous other inaccurate or redundant details. This report also shows details of an XXXX XXXX account which is not mine. More erroneously prior credit card and home loans which are clearly shown as CLOSED are shown to have current balances and credit availability. The home loan accounts are inactive and were all paid in full, moreover, there was never any amounts on the credit cards with XXXX and XXXX that were not paid off in full by the monthly due date. In all these cases the 'Amount Paid ' is shown as zero each month. These errors led to a comment on the credit report to the effect that there were 'large amounts of revolving credit ', which is misleading and blatantly incorrect. I have tried the 'disputeonline ' link and despite gaining access to my TransUnion account it will not accept my dispute. I called their XXXX number and was told they were not available. TransUnion is largely inaccessible, inefficient and should not be allowed conduct such a critical business in this manner. CFPB should take urgent action to investigate the business practices of TransUnion and consider their ongoing ability to operate such an important function handling sensitive information.

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 2017-12-31
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trading on XXXX a division of coinbase for several months now. I saw the prices were fairly high on XX/XX/XXXX in the XXXX range but were dropping fast. I had been trying to put a sell order in for a few minutes and finally did get it in at XXXX a bit lower than I wanted being the major delays on XXXX. I had planned on buying back ( day trading ) at the bounce and when the bounce came I was locked out, XXXX wouldnt load for 5 minutes and kept giving error messages. I had also tried my laptop next to me and same issues. This was at approx XXXX to XXXX XXXX on XX/XX/XXXX East Coast Time. This has been an ongoing issue with XXXX and coinbase as soon as traffic picks up they  seems to have issues. In all reality I should have had my sell taken much higher XXXX and bought back at XXXX but I was screwed and by time I could buy back it was between XXXX and XXXX The price had kept climbing the 5 minutes the site was down and put me at a loss. I was also hammered in fees XXXX Things happen very fast in day trading and you can not be in this business if you can not handle the demand and give the customer a service your in the business to do. Luckily I was able to get the bitcoin back when I did before it kept going higher! 

I have attached some of the many screenshots I took. You can also see they were having issues with all 3 crypto they sell. All dropped at the exact time across the board but I had compared this to XXXX, XXXX etc and the charts look nothing like this. They admitted possible insider trading the following day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ERC
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: Problem with personal statement of dispute

Complaint:
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: DISCOVER BANK
State: PA
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 have attempted to reach out to XXXX to dispute inaccurate information on my credit report that doesn't belong to me. I have provided XXXX with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX XXXX XXXX XXXX, and Account # XXXX XXXX has violated my rights.

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

15 U.S.C 1684 section 604A 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 2022-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Despite multiple attempts to remedy my issue, the company Equifax , Inc. located at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX Phone XXXX has not reported my account information or is able to give me a credit report. They have given multiple reasons for this negligence. This lack of reporting an actual consumer credit report or even a credit score has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Variable student loan interest on three out of three accounts set to highest possible percentage. All payments have been made on time, in full, and even additional principal has been paid of. Credit scores of account holder have improved and stayed at a score range of XXXX to XXXX. Immediate questioning and discussion to loan vendor ( Navient ) were engaged. No information or explanation was given as to the determination of current interest rates and the increase of said rates. Multiple phone calls to inquire on this matter have failed to gain any real reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: IA
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 credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

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 2022-02-13
Company: Experian Information Solutions Inc.
State: KY
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 have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from 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