BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: WI
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 been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: VA
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 XX/XX/XXXX, I settled two accounts with XXXX XXXX XXXX XXXX ( settled for less than the full balance ). In XX/XX/XXXX, I received settlement letters from XXXX XXXX XXXX XXXX and their servicer XXXX. After receiving these letters, I had a credit specialist assist in expediting the updating of the accounts on my credit reports so I could proceed with buying my home. The accounts were updated removing the active balances on XX/XX/XXXX. On XX/XX/XXXX Equifax added the balances back to the accounts, dropping my score XXXX points. I filed two disputes per account to Equifax. Equifax claimed they didnt have the settlement letters, so I uploaded them with my second dispute and faxed them to Equifax. Despite having these letters, Equifax has refused to update the balances on the accounts. I made contact with XXXX XXXX XXXX XXXX to ask for an update on my accounts. XXXX XXXX XXXX XXXX has let me know two things : that the accounts are settled in their system, no balances due from nine to them AND that Equifax has not made an attempt to contact them, despite it being a requirement for them to reach out to the creditor for verification of the status of the account. I have also not been able to review the results of my last two disputes as they are inaccessible when listed online, and they have not mailed me the results as required. The only results I have received have been by phone, telling me that the balances have been deemed accurate as reported. During my last phone call at the end of XXXX with Equifax, I submitted a formal complaint regarding the dispute department. The customer service representative I was talking with agreed with me that the account should not be carrying active balances that are affecting my credit score since I settled them and have the letters to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, 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:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Is there a way to get money back if your scam by the company 's that you were supplying a card machine for your business to be able to accept payments. and they did some thing where i only got some of the payments deposited it to my bank and most of the payments they would process normal on my end but never be deposited fully into my account. some customers have admitted to me that they would make there payment using there card and it would show processing for a few days than it would go away and they would never being charged for the transactions. The company use and changed name on me a few times, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  but on the irs form XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX The only name person I can recall is a XXXX XXXX and the guy who signed me up in the beginning XXXX XXXX. and not to leave out they filed a claim on my credit for a billing of improper charging of fees that they continue to take out of my account that i had to close because when the bank would block them from charging me they would use other thermal and charge a different amount so it would go threw. my contact info is : XXXX XXXX XXXX BUSINESS NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the month of XX/XX/XXXX, Wells Fargo transitioned my mortgage account from a Home Equity Loan to a Home Mortgage Loan, during this time, they canceled the lender- placed insurance they had on my property effective ( XX/XX/XXXX ). On XX/XX/XXXX I called Wells Fargo about my insurance payment, I was told there would be no payment for 45 days, so I obtained other insurance for the property. I Received a letter in XX/XX/XXXX, thanking me for providing evidence of hazard insurance coverage on my property, but their records show a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, an insurance charge of ( {$110.00} ) may be charged to your account for that time period. I received a letter in XX/XX/XXXX stating the ( {$110.00} ) XXXX XXXX XXXX dollars will be divided into two payments, beginning with the XX/XX/XXXX mortgage payment. 

My complaint is, how can they charge me for insurance coverage they didn't provide during that time period because they cancelled the policy without indicating or notifying me of what would happen once the lender changed, or obtaining my consent to proceed. 

During the transition period from Home Equity Loan to Home Mortgage Loan there was an advance balance of ( {$1900.00} ) that the Home Mortgage Loan absorbed, this also was insurance charged, but no coverage. It was retroed back to the first day of no insurance, whether they provided insurance coverage or not.

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 2021-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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 hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Big Picture Loans, LLC
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a short term loan on XX/XX/XXXX through an online website for Big Picture Loans. I did  not receive any details about the loan but the money was credited for {$1200.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that Big Picture Loans revoke my ACH agreement and that my payments of {$980.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. 

The online account screen shows I still owe 4 more payments of {$490.00}. That would make a total repayment {$2900.00}. That is nowhere close to the cap of 36 % I expected.

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/XXXX along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 490 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I do not live on the reservation in Michigan, I am a resident of XX/XX/XXXX I had no idea they would be able to charge almost 500 % interest. Is that legal anywhere? 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
Account Disputed : XXXX XXXX XXXX Date Disputed : XX/XX/2020 and XX/XX/2020 Reported Balance : {$990.00} I disputed this collection account with Transunion that they should remove or delete this collection from my credit profile since they could not provide physical verification of original signed consumer contract that I had with the reporting company. Instead it came back verified without any physical proof.

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 2021-06-01
Company: Experian Information Solutions Inc.
State: NV
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:
1.XXXX XXXX  XXXX was added to my credit report in error this is not my account 2.XXXX the balance is incorrect and I have never paid late 3.XXXX  XXXX was added to my credit report in error this is not my account These large items along with others have been disputed with the credit bureaus and are still reporting on 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 2018-06-26
Company: ACS Education Services
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX my XXXX loan servicing was transferred from Conduent/ACS to XXXX XXXX XXXX. Payments sent to ACS after XX/XX/XXXX were supposed to be applied by ACS to  XXXX. I sent in my regular monthly payments ( timely ) on XX/XX/XXXX. I had not at that time received a notice from XXXX at that time to change servicers. THE XXXX FAQ site covering the change says that any payments received after XX/XX/XXXX would be applied by ACS to XXXX. As of today, XX/XX/XXXX I do not see that this has happened as I am getting past due notices from XXXX for a month 's worth of payments ( {$300.00} ), which I assume to be XXXX 's which were never sent by ACS to XXXX. 

This issue encompasses XXXX loans, whose monthly payments total the above {$300.00}. 

The XXXX # are : XXXX XXXX XXXX Thank you very much for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.

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 2018-07-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I applied for a checking and savings account. Additional information was requested to process my application and I never provided that information and never signed anything and never made any deposits. I called and requested my application be cancelled. I was told it was cancelled. 2 months later I receive a letter in the mail stating {$59.00} overdraft fees. I called 2 weeks ago and was told the fees were waived and my accounts were closed. 

I have not received any confirmation about account closure.

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 2018-06-26
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX I accidently made an electronic bill pay payment in the amount of {$1200.00} to AMERICAN EXPRESS instead of XXXX XXXX XXXX. The {$1200.00} is my 6 month payment for auto insurance. I caught my mistake on XX/XX/XXXX the day it posted and cleared my bank account. I called AMERICAN EXPRESS right away and explained what I did and they told me that I needed to call XXXX XXXX because XXXX took over the old XXXX AMERICAN EXPRESS accounts. I called XXXX and they told me that the payment I made went to AMERICAN EXPRESS and that XXXX does not have access to AMERICAN EXPRESS bank accounts. I called AMERICAN EXPRESS back and finally got ahold of a customer service person ( XXXX ) who told me that as of XX/XX/XXXX any payments made to the old AMERICAN EXPRESS accounts would be reversed and sent back to the customer within 3 to 5 days. On XX/XX/XXXX I had not received my credit balance payment back from AMERICAN EXPRESS and called them back ( it had been 10 days ). I was again told I needed to call XXXX. 
I went to my bank and turned my problem over to them and they got me on a 3 way call with AMERICAN EXPRESS and we could not get AMERICAN EXPRESS to help us ( me ). My bank did get a fax number and faxed over proof that payment was made to AMERICAN EXPRESS and that they needed to send the {$1200.00} credit payment back to me a.s.a.p. During the 3 way call, my bank asked to speak to the supervisor of the bill payment center and we could never get a supervisor to ever come on the phone. The last correspondence was with a supposedly supervisor who said we had a bad connection and hung up on us. I told the back that we would give it a couple of days to see if we could get a response back from AMERICAN EXPRESS. 5 more days have passed and I have not heard back from AMERICAN EXPRESS or my bank. 

It has been 18 days since making the accidental payment and I can not get AMERICAN EXPRESS to open an investigation and send my payment back. When I use the automated system for AMERICAN EXPRESS it states that I made a payment for {$1200.00} on XX/XX/XXXX with XXXX balance due. Yet, when I talk to a " live '' person they say they can not see my account? Once AMERICAN EXPRESS sees that I made payment to their bank on a closed account and they do not have anywhere to post it, it should be clear to them that the money needs to come back to me. 


I need HELP getting this cleared up with AMERICAN EXPRESS. 


Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Section 604 requires a credit bureau to remove this XXXX XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX  hate crime violation ( Windsor Washington is Asian American ) ] in the Honorable XXXX XXXX  credit report. Section 604 and VAWA act protect the XXXX XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the XXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in XXXX XXXX  capital belt area. ( Not in XXXX  XXXX. 

The United States of America federal government protects the Honorable XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX case # XXXX, special immigrant protection, Approval ) - attached file the XXXX XXXX Governments special protection legal documents. 
This verified federal document gives special protection for The XXXX XXXX XXXX XXXX Full custody ) and his children

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AmeriCollect
State: NV
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:
XX/XX/XXXX {$600.00} I have contacted XXXX. They told me to file a police report. When I went to the police station I was told that the company Americollect inc was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/, {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my 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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX ; XXXX and Transunion should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-06-01
Company: Kikoff Inc.
State: NY
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:
This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation