BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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 paid my credit card balance of {$2600.00} that was due on XXXX/XXXX/17, one day late on XXXX/XXXX/17 by mistake. I have accidentally done this in the past during my 5 years of membership at American Express, and as long as it was only a few days, they said not to worry about it because I have been a loyal customer. 

This time, they charged me a {$27.00} late fee on XXXX/XXXX/17. And then, they charged me {$290.00} on XXXX/XXXX/17 for interest expense! For paying a balance of {$2600.00} ONE day late, I was charged {$290.00}, implying an annualized rate of over 1000 % APR! 

They explained to me that if I read the fine print, they calculate it based on my rolling balance since the closing date of my last bill too, but that just makes no sense because I was n't supposed to pay that new balance until XXXX XXXX. Even if it 's in the fine print, it 's very clearly just abusive and they could n't even still explain to me how they got to the interest expense. If they ca n't figure it out over the phone and that is their job and have to get back to me on how they got to that calculation, how am I the consumer supposed to be able to figure that out?! 

So in total, I am paying {$310.00} for paying a {$2600.00} bill one day late, when I have been a customer with XXXX for over 5 years that has never defaulted on a payment and have an excellent credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: DC
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:
XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from CHOICE RECOVERY INC #  XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NJ
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.

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 2018-04-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged overdraft fee in excess of what needs to be charged. 
I had a balance of {$1100.00} on XX/XX/XXXX. 
$ XXXX=-XXXX ( Debit ) XXXX ( Balance ) - {$1100.00} - XXXX ( Debit ) XXXX {$1100.00} XXXX ( Debit ) XXXX {$1000.00} XXXX ( Debit ) XXXX $ XXXX ( Debit ) XXXX ( Balance ) Then on XX/XX/XXXX1. {$560.00} XXXX ( Debit ) = $ XXXX XX/XX/XXXX 2. - {$110.00} ( Debit ) 3. - {$150.00} ( Debit ) XX/XX/XXXX: Mobile deposit = {$1000.00} Mobile deposit = {$61.00} XX/XX/XXXX = $ XXXX I had a total of 3 overdraft during this time and i should have been charged an overdraft fee of {$37.00} X3 = {$110.00}. But I have been billed an overall overdraft fee of {$180.00}. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
alittle over one month ago received a promotional offer from Bank of America to transfer money to my checking accoount at an annual  interest of 3.99 %. I called and spoke to representative who confirmed same and offered to trransfer money on the spot. I was required to listen to a confusing message and agreed. When I received my statement there was a charge of 13.49 % on the purchases that I had made the previous period. I called and they affirmed same ; I indicated that this charge was never explained to me by the rep I spoke to. They retorted essentially too bad. I then re read the offering flyer and it says that interest would be charged on purchases but not what the amount of the interest would be. Since I like many people pay their statement in full each month it would not be unreasonable to assume that this charge would not apply!! Wrong!! I believe this practice is tantamount to a predatory lending scheme to entice people to borrow money and be charged more than the offering rate of 3..99 %. Since I have another card I wil pay off early the current balance with money that I will borrow from my IRA and not use the B of A credit card ; however many people may not have another card to use and will be stuck paying this exorbitant amount!!

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 2021-08-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I request the removal of my PMI on my loan ( {$220.00} monthly ) from my lender. I has been trying to contact my lender, but after I sent certificate letter on XX/XX/XXXX, and I have proof of Federal Mailing office that they received on XX/XX/XXXX, and by E-Mail and phone calls, I do not have any answer yet. 
By Federal law if I owe the lender under 78 % of the LTV of my property they have to remove my PMI. 

Lender Name : Loan Care aka XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Need your help because the lender do not respond. 
Loan # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX 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 2018-07-24
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a US Bank Business Edge Select Rewards card on XX/XX/27 that had a signup bonus of XXXX points after spending {$1000.00} within the first 3 months. I met this requirement within the first month and have still not received the bonus. I initially started calling them in XXXX to see when my bonus would post and was assured it would post on the close of the next statement. I called again on XX/XX/XXXX and they opened a " request '' to the rewards program to research the issue. I was told it would take 7-10 business days to resolve and I would receive a letter in the mail telling me I had received the bonus as it was clear that I had met the requirements. It has now been 76 days and the situation is still unresolved. I have called approximately every two weeks during that time and have been reassured it would be taken care of within the next 7-10 business days. I called again today and was told that I had been misinformed and it can take up to 3 or 4 weeks, to which I have already waited more than double that time frame. Today I was told it is still being researched and there is nothing I can do other than wait. I have waited over 6 months for this to be resolved and have been lied to continuously while trying to get this resolved. I have fulfilled all the requirements of the promotion and there seems to be no end in sight as to when I will receive it. 

The same promotion still shows on their website and I was assured is still valid, so I don't know why this is such a headache to resolve. 

Attached are the screenshots from when I applied for the card and the promo is still up on the US Bank website as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX, i noticed a credit report remark in an email sent to me, saying Ally charged off my account. I called immediately and asked why it said that and what i could do, i have been trying for the past few months to get ally to work with me. I asked for lower payments and as well to have all late fees removed due to my hardship from covid. I have had nothing but issues with ally, they dont ever work with me in pleading for help. They refuse to actaully help you with your situation and rather just charge it off. I no longer even want to have the loan, i want to rescind my loan with them and get back all the money i have paid. I know my rights with consumer laws and i am asking for a rescission with the loan agreement i made with ally and i would like the title of my car to be released since ally has charged off the account, to have the lien removed and title sent directly to me in my name. Allys obligation with the car has been considered charged off and i no longer have an open account with them, i would like to remove any and all derogatory/negative/late remarks from my credit report immediately. I want the account to be changed to positive or settled in full or a completed status. I will not hesitate to look deeper into my rights as a consumer and take legal matters if necessary if ally does not cooperate or release the title held in their possession to me with no lien as well as my full refund of the total amounts i have paid, around {$8000.00} approximately. Please respond and mail all requested items directly to me within 7-10 days. If i do n ot hear a response or receive requested documents and refunds, i will seek legal proceedings afterwards. 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 explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Lost account due to unfair fees

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 2023-06-13
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fulton bank has placed my bank on freeze for no apparent reason and they have all documents required.

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 2019-01-24
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX CT, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-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 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Personal information incorrect

Complaint:
I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2018. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2018. I need it corrected immediately so I can get a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Continental Finance Company, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed multiple complaints against Transunion and XXXX for failing to abide by the fair credit reporting act. I jave uploaded proof to show they have lied. Now they have locked me out of my accounts. Transunion has locked me out of my account, so I can no longer monitor my credit report or score. XXXX has locked me out of my account so I can no longer monitor my credit report or score. They have done this out of retaliation. I call them and the system won't connect me with anyone and hangs up.

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 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
OnXX/XX/2018 I swiped my debit card at my child 's daycare in the amount of XXXX. That day I noticed 2 transactions for the same amount pending on my account, I called the daycare who stated they only had one charge on their end of the day paperwork. I waited until the second charge cleared and submitted a claim to Bank of America. My bank submitted the funds right back in to my account the next day pending their investigating. My account shows a debit for XXXX and also what they called an ACH for XXXX to the same merchant on the same day within seconds of each other. On XX/XX/2018 Bank of America reversed the funds stating that after review the merchant 's bank, XXXX, stated that it was a rightful charge and that I was suppose to pay XXXX on XX/XX/2018. Bank of America also sent me the information that was mailed into them from XXXX, and on the paperwork it only shows that I was suppose to pay XXXX. Still no one can tell me where the second charge of XXXX done on the same day is! I called back into the claims department and was told they could see the error and that it would be reopened and I would be credited back the XXXX. After weeks of this representative from my bank not returning my calls and ignoring me, I went into my local branch where they called the claims department with a complaint on how I have been handled thus far. Yet after a week of that going on - I still had not received my XXXX back. When I called back in again in XXXX I was told that the claim was closed and that I needed to take it up with the merchant! I have spoken to my daycare director several times and she has shown me her bank statements that show they only received the one debit for XXXX on that day. She then in turn wrote a letter to bank of America for me to fax in to the claims department in hopes they reopen this for the third time. This is my final attempt at trying to collect my XXXX back that no one seems to have or know where it went ... and both major banks have just been pointing fingers at one another since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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