BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 purchased online tickets on XX/XX/2019 from XXXX while I was in USA. The amount of {$5200.00} was billed to my credit card ( ticket prices which is correct ). I recieved a statement today XX/XX/2019 showing that bank of America charged me {$150.00} for a foreign transaction fee. The purchase I did for the tickets was done online with a company charged me with US dollar currency and which suppose to do business from USA. 
Bank od America claims that this is an international transaction and has to charge me 3 % on the amount paid. I dont understand how I can purchase sonething from USA and get charged for an inernational fee.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After losing my wallet my identity was stolen and compromised. The following accounts are unknown and unauthorized and shall be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$1100.00} 2 ) XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX {$460.00} 4 ) XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$4400.00} 6 ) XXXX XXXX XXXX XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: FL
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've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud

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 2020-09-21
Company: EQUIFAX, INC.
State: CA
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 {$4400.00}, {$430.00}, {$700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: GA
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:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. 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 non-monetary relief
Consumer complaint received 2020-05-28
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this complaint is against American Express for Fraudulent Late Payment reporting. Earlier this month i came into some extra money and chose to pay off my balance with American Express. I pulled my credit to make sure that it was reporting correctly and I notice that from XX/XX/XXXX to XXXX of XXXX they had reported me as paying late. This is inaccurate and false. Never did i pay on my account late. Never did I miss a payment. When I got sick in XXXX I entered this account into a debt management program and they took over my payments to make sure that AMEX got paid. I have a detailed record of all payments on this account and none of them were late. I even paid this account off in full and they want to try to ruin my credit by reporting me late. This complaint IS NOT against any of the credit bureaus but against AMEX as they are the ones that chose to report false information. When I called AMEX they said that they could not provide verifiable proof that the payments were late but could only tell me what their systems show. They are in violation of the FCRA as it states that all information being reported must be 100 % accurate, complete and verifiable and their attempt to report late payments can not be verified as accurate. They are also reporting still in the comments that this account was handled by a 3rd part debt management company and it is not. The account is paid off, closed and they actually owe me money. I will be taking AMEX to court and suing them under the right that they violated the Fair Billing Act and the FCRA and each fine is XXXX minimum if the judgement goes to me. I will be seeking reimbursement of all attorney fees as well. AMEX has a responsibility to report all information on time and accurately and they have not done so. REMOVE all late payments and REMOVE all comments that this account was being handled by a 3rd party company to pay the debt. If you refuse I will ask the CFPB to step in and investigate you and I will be suing you in a court of law to protect my rights and my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-05-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card number was compromised back in XXXX XXXX and subsequently cancelled and a new card was sent. The company has continued to allow charges from merchants who had the compromised card number to post the charges onto the new card. I have cancelled the card 4-5 times now and received new numbers, and the company is still allowing these charges to post from the old number. It is still happening, even though I do not even physically have a card anymore. I have disputed all the charges and explained to them what they are allowing to happen, but they have taken no action other than to file disputes, to which I do not have resolution. I have been paying the interest and filing disputes for 8 months at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Patient Accounting Service Center
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested verification of debt on XX/XX/XXXX received letter dated XX/XX/XXXX that the company has determined your dispute is not valid & that the information is correct however attached paperwork does not verify or substantiate any debt ie is only a print out with my name but does not prove debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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 2019-03-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was issued an XXXX dollar refund to an old debit card but still my bank account. Wells fargo lost the XXXX dollars and is now trying to claim that they " refunded it immediately '' meanwhile the company I am working with and who has been extremely helpful has called there credit processing company multiple times and claimed that this has NOT been returned to them

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 2021-05-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I sent out a formal letter informing the agency of the violations that I found on my credit report. After sending out the letters to the bureaus about the invalid information on my credit report, I still have not heard back in over 60 days! I feel like my rights are being violated and I am seeking that these incorrect items are removed immediately. I will also be seeking litigation on this matter as well if it is not resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting lates in XX/XX/17, XX/XX/17, and XX/XX/17 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

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 2019-03-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. 
Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. 
On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX  Rep on issues and filed a claim. 

Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. 
Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. 
I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.

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 2019-03-02
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm getting harassing calls from the company, which was trying to come up with a solution by working with freedom debt relief, due to a hardship of a divorce. I spoke XXXX XXXX XXXX XXXX, regarding an account they couldn't help me until i went bad than the bank got involved and they're the ones making all the harassing calls to a variety of people that I never gave the number to contact on my behalf. I call and spoke to about this matter was Mr.XXXX  an he stated to the people he spoke with that he was an Agent for me to contact with urgency. He used a variety of numbers but the last number he called from was XXXX XXXX  XXXX. He has called more than 5 people maltible times on this matter so I know with this, do not call act this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Double charged for a cell phone Payment I made on XX/XX/2019. 
Payment Charged -- -Fraudently -Again in my bank checking Account on XX/XX/2019. Contacted the cell phone company they said they only see one charge being made which is XX/XX/2019 Where is the Fraud Comming from? 

Why is a Second Cell phone payment in the Amount of {$30.00} Dollars being deducted in my bank account again Which I did not Authorized. 
Also my debt card and bank account Has no Automatic payments Authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Lendmark Financial Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company keeps adding information to my credit under different names. Lendmark financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX are all the same! They are now on my credit report twice under two names. But, are also listed under the above named companies as well. They have been harassing my family, and have called impersonating the people at the XXXX County Courthouse, telling me I've been sued and that I have a court date. They have also called me and told me they were suing me and I needed to be home between 3-5 on XYZ date to serve me papers. I was home, and no one showed up. This company is using UNETHICAL tactics to try and get money and have been readding their accounts to my credit under different names and messing up my credit. I do have a voicemail that I can email to you as well, as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the past 2 years, I have been attempting to get the full details of any Student Loans and my taxes have been seized due to a frivolous loan statement that is sent when I request for full documented information concerning me trying to borrow money for a Student Loan ( s ). I have requested a full detailed paper trail of the loan, the schools my full signature on any and all paperwork and XXXX and NAVIENT both failed in providing the accurate description. I feel now that I must file for a hearing to deal with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CITIBANK, N.A.
State: IN
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:
XXXX XXXX shows a report of citibank credit card payments for {$23.00} a month for the past 4 years. i do not have a citi bank credit card, but my ex husband does. his information is being reflected on my XXXX XXXX report. i am not associated with his banking at all. and if he should fail to pay his debt it will reflect on my credit report. i want his charges off 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 2022-08-05
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called to have requested for PMI and Escrow to be removed from my mortgage on XX/XX/2022. 
The mortage servicer only acknowledged the PMI be removed by sending me a letter and check for PMI refund. 
I called about why my Escrow wasn't removed on XX/XX/2022 and they said they didn't know. I requested for a supervisor to review the call and notify me why my escrow wasn't removed. 
On XX/XX/2022 I called to ask what the status is of my request for Escrow to be removed and the status of my previous request back in XXXX. They advised me that a call recording pull requires a written notice. They also notified me that the escrow request wouldn't be available for review until XX/XX/2022. 
This implies that my money in escrow is being held hostage and I am attempting to collect a debt from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Nelson & Kennard / XXXX  XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.

Company response to consumer: Closed with explanation