BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/XXXX I conducted my annual end-of-the-year assessment of usage of each of my credit cards. At that time, I discovered that I had been paying interest charge of 29.99 % for charges made to my XXXX platinum American Express credit card. In XX/XX/XXXX, I was informed that I was one day late in paying my monthly payment. My assistant, who normally processes my monthly payments, actually was several hours late in making my electronic payment, but that apparently was enough to mandate a late payment fee. In any case, I called the credit card customer service line and, as a result of consistent on time payments, was issued a credit on the late payment fee. As I traditionally have my assistant process my payments because I use this card for business expenses exclusively I was not aware that a 29.99 % interest charge was issued on my balance since XX/XX/XXXX ( she has always read the charges to ensure consistency with my receipts and then issues a payment of whatever amount I ask her to submit ). 

Upon seeing the interest charge I called the customer service line and reported my concern that when I was issued a credit for the late payment fee no discussion of the increased interest charge was presented to me. The official that I spoke to informed me that the fees charged to me could not be credited. The charges amount to roughly {$850.00}, double what I wouldve been paying under the normal rate of closer to 14 %. I immediately canceled my card. I write to you now to lodge a formal complaint against the XXXX American Express platinum credit card company for their failure to inform me that the waving of the late payment would have no bearing on the exorbitantly increased interest rate. Had the representative been fully informative than I wouldve made a complete payment of my charges at that time and not use the card for the ensuing penalty period. I consider the representatives inability to provide me with this information a manipulative act and I seek a credit of {$420.00}, which would reflect the extra fees imposed upon me during the period of increased interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: BANCO POPULAR DE PUERTO RICO
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Banco Popular is recklessly reporting fraudulent transactions to XXXX, XXXX  and XXXX. which are currently being investigated. Dropping my credit score 45 pts. 

I have a Banco Popular credit card with a balance of XXXX ( XXXX  ) I have no idea why they have provided false information to all 3 credit bureaus stating my balance is {$11000.00}, which is over my credit limit of {$11000.00}. 
Back on XX/XX/2019, I reported fraud to Banco Popular, which totaled the entire amount, as I have never used this card, besides paying the annual fee. I talked to the fraud dept. twice, they were to be investigating. This was on XX/XX/2019. Yet, on XX/XX/2019, Banco Popular reported my balance to XXXX, XXXX and XXXX as {$11000.00}, meaning they included all the fraud charges in violation of the FCRA and the agreement i have with Banco Popular. SO besides Banco Popular violating the law, they have also knowingly and recklessly Breached our Agreement. An agreement they created.

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 2019-04-09
Company: Checkr, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are two motor vehicle violations that for some reason separate violations however, those tickets are only one ticket alone. I never received the ticket listed under the date XX/XX/XXXX for " No Drivers License ''. If you take a moment and check the date on which I received the XX/XX/XXXX then also when my license was reinstated on XXXX XXXX, XXXX. My license is still valid as you can see and there hasn't been any other violations since. How could I have received a no drivers license ticket while currently holding a valid drivers license, as the background report shows. I couldn't have, and never did. 
The background check was provided by Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: AZ
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 have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX  and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX  {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - XXXX REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
On XX/XX/2019 I opened an Ace XXXX Account under the promotion of receiving {$100.00} after establishing a direct deposit. I established this deposit on XX/XX/2019. My fee was changed from {$10.00} a month to {$5.00} a month due to the establishment of a direct deposit, but my {$100.00} never posted.

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 2019-04-09
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am past due on XXXX CARD partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account 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 2020-06-06
Company: Experian Information Solutions 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:
My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.

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 2018-09-05
Company: Mercedes Benz Financial Services
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to  confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX. I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2019-04-09
Company: ACIMA CREDIT, LLC
State: TX
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:
Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX and Experian are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : 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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion XXXX and XXXX  are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : 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 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2022-11-10
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Credit Karma, LLC
State: NV
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 recently, got an alert of a hard inquiry that I never authorized. 
1. ) XXXX/XXXX XXXX National Credit Cards/Airlines ( XX/XX/2019 ) I called XXXX/XXXX XXXX corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that National Credit Cards Airlines dont exist in their company. The representative informed me that credit karma was at fault for the miss information. I was advised to contact credit karma to sort out the miss information from their database. I emailed credit karma but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX credit bureau, unless XXXX/XXXX XXXX directly sends a dispute on my behave. I remind you XXXX/XXXX XXXX   doesnt have my information because I never applied and they dont provide National credit cards Airlines because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX this company has had my money for almost 365 days now since please allow me to withdraw the rest of my money no reason it should be held any longer need money for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: PA
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:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-02-14
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I read online at your website that companies would try to help with FORBEARANCE? I did not know what the word meant until 6 months into the PANDEMIC DISASTER and another creditor said something about it was XXXX XXXX, so I XXXX it and it told me what it was? like I said no one offered to me until a little late? well, I took a lot of abuse from the creditors, but this one took it to a new level and try to get me to come online so they could mess with me PAYPAL SYNCHRONY BANK, I couldn't find an email that offered me that? I told every one of my creditors that I have a DEBT CONSOLATION COMPANY and all they would say owe we don't deal with them, but if they told me I could get a forbearance I could of canceling my DEBT COMPANY because it would have been much better and faster and know ABUSE.I was told that it showed my PAYPAL ACCOUNT was closed from one of the credit bureaus, but the damage is already done because my XXXX SCORE went from XXXX to present XXXX and I had card closures and credit limit lowered like around XXXX dollars in all, that hurts I worked hard for that XXXX SCORE?? That was the best score I ever had and I was proud of it, One time I got online with Paypal and they lowered my limit on my PAYPAL MASTERCARD, nd it is a XXXX  dollar limit and they lowered it to XXXX dollars and I went to cancel it and they said if I cancel that card I would lose my AMAZON CARD?? so I didn't do that, so is that ok?? If you could receive the CHAT ONLINE you can see all the XXXX I had.

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 2020-08-27
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, US Bank approved my application for XXXX XXXX account number XXXX that was applied under promotion code XXXX. Although I have met the requirements of the offer, US Bank is refusing to credit my account with the promotional bonus of {$300.00} that I am entitled to or to provide justification for doing so. 

The Terms and Conditions of the bonus offer do not preclude a new customer like me from receiving the bonus when opening a joint account with an existing customer. Nonetheless, US Bank is arbitrarily denying the bonus that is payable to me and not to the joint signer. US Bank has not provided me with any documentation to support their position.

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