BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: Experian Information Solutions 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:
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX declined me,XXXX fcra, same job 5 years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..

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 2019-03-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase purposely holds pending transactions until account balance is low and pushes these transactions active to charge additional insufficient charges. Current account balances reflects these pending transactions. Then the next morning current account balances show a different story from account balances the night before. Deceiving business practices to charge customers multiple insufficient fees. I have several screen shots and this happens often too often. Please let me know if I need to display these screen shots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
We ordered a chair from " XXXX '' ( by Chase debit card on XX/XX/2018, {$360.00} was charged to our Chase checking account ), but it took so long, so that we cancelled it. And the chair arrived on XX/XX/2018 and we refused and returned it and it arrived at the XXXX XXXX XXXX site on XX/XX/2018. The XXXX tracking number is XXXX. 
XXXX customer service is almost impossible to connect and we couldn't get the refund, so we claimed a dispute through Chase ( Chase claim # XXXX, # XXXX ). Chase finally denied our claim even though we provided a proof of return of the merchandise. They say within 30 or 60 days we couldn't provide it. I don't understand why how many days are important. The XXXX got the chair back, but I didn't get my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: AMERICAN EXPRESS COMPANY
State: CT
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 signed for an American Express Blue Cash Everyday Preferred credit card last year. The card was supposed to waive the first year of annual fee. In XX/XX/2019, I called customer service of AMEX inquiring about the exact time of incoming annual fee for the second year. I was told my annual fee will not be charged until XX/XX/2019. However, my credit card was charged a so-called " prorated '' annual fee on XX/XX/XXXX without any explanations. In the XX/XX/XXXX phone call, I specifically asked when my credit card would be charged the annual fee and the customer just stated the annual fee would be charged in XX/XX/XXXXwithout disclosing the " prorated '' annual fee. I called the customer service again trying to resolve the issue. The customer service said she was going to dispute the charge without guarantee of canceling the charge. By the time I am writing this complaint, 144 hours has passed without a respond from American Express. 
I strongly protest such deceitful business practice and therefore file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
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 contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX  son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/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 2018-09-15
Company: EQUIFAX, INC.
State: MS
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:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: AC AutoPay LLC, Denver, CO Branch
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX  w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX   feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR.

After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}.

They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it.

My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: AR
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:
My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score XXXX points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was XXXX higher just due to these unknown fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: MS
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:
Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19 I was texted a message with information that I had a new XXXX account. I had never opened an XXXX account. On the advice of my credit card company, I proceeded to freeze my credit in hopes that would dissuade identity theft. Freezing my credit through XXXX and XXXX was quick, thorough, easy. and efficient. However, when I tried to freeze my credit through Experian, they kept trying to force me to join and to buy their credit protection products. I was unable to communicate this problem to them without joining. Identity theft is a huge problem in our country. This company needs to become more consumer friendly and accessible to help solve the problem. Plus, I am almost XXXX years old, and this situation is anxiety producing enough without being stonewalled by a company that is supposed to be there to 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: Coinbase, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I was charged {$230.00} from my personal checking account. This charge was not authorized and is a duplicate of a legitimate charge of {$230.00} on XX/XX/2018. I contacted Coinbase to request my money be refunded wherein they said it would take up to 10 days to be refunded by my bank. No refund appeared in my account and the erroneous charge was not wiped out. I contacted my bank who said this is an issue between me and the merchant. Over a month later and the {$230.00} is still missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
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:
I had a Visa credit card with First National Bank of Omaha ( FNBO ), XXXX XXXX XXXX, XXXX, Nebraska, XXXX, for ~40 years and never had a late payment. On XX/XX/XXXX, my credit card was closed abruptly and without warning for " long term inactivity. '' I used the card primarily for travel and last used it in XX/XX/XXXX. I did not travel in XXXX due to COVID. I would hardly consider 16 months " long term '' and feel I should have been given warning of their intention. In addition, this is not the way a loyal, long-term customer should have been treated. I called to explain that I planned to resume travel ( and use of the card ) and request my card be reinstated. I spoke to an individual who was rude and dismissive and said the cancellation was " permanent. ''

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2021, an auto-payment charge of {$6.00} was made to my Wells Fargo credit card. 

I was unaware that this charge was present as I had added a new payment method to that website and was under the impression that my account had a {$0.00} balance. 

As soon as I saw my credit score had decreased due to my Wells Fargo account, I logged in and submitted payment in full. I contacted Wells Fargo who told me that they would not contact the credit bureaus and would not remove the late payment from my report, and advised I contact the CFPB as it was an unfair situation, but it is against their policy. 

They informed me that a letter was sent to my residence in XXXX as a final effort to receive payment, but I moved on XX/XX/2021 and did not receive the letter. 

I have a {$0.00} balance with WF now, and have been 100 % on ALL credit line payments ( WF or not ) for the past 7 years. I am absolutely horrified that a missed payment of under {$7.00} has resulted in a credit score drop of 40-70 points ( depending on which website I am looking at ) for the next 7 years. I resolved the payment immediately and need help to keep this {$6.00} mistake from effecting the 33 % weighted late payment category of my credit for the next 7 years of my life.

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 2020-12-17
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Paid loan in full, {$190000.00} with guaranteed funds on XX/XX/20. This info is per their automated information system. Today is XX/XX/20. Escrow funds of nearly {$4000.00} have not been received which is violation of time frame they have to return funds. We were told " the check is in the mail '' when we questioned them on their violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked 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
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my 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 2017-11-29
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First Priority Mortgage company has been dragging the process on AFTER it was approved by underwriting, and then asked for more documents, changed what was asked for several times, first a letter regarding a bank account in trust to my son, then when provided changed the request. Most recently yesterday they claimed they went to the IRS requesting a transcript for a XX/XX/XXXXtax return ( rather than asking me for it ), and today promised an answer as to whether or not the loan was finally clear to close ( its been over 2 months and closing deadline is XX/XX/XXXX, so I called the IRS who informed me no one requested or inquired about a transcript from any year. They outright lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In my effort to improve my credit score, I learned credit history is vital. My landlord and I are trying to get my rent payments for the last 14 years along with three major purchases they financed for me on record. The rent solution recommended by Experian is only willing to start from this point and go forward. They won't provide us with another direction to go. Please help me by referring companies who can get this history included to me. This will go along way in raising my credit score. I've enrolled in XXXX to further my education. I am also moving and need a much better credit score to obtain the funding available to me to enable me to return to my home town. How can I get my payment history on record? Please advise.

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 2019-04-21
Company: Experian Information Solutions Inc.
State: MO
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 identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked 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