BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
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: Charged too much interest

Complaint:
My husband and I have been customers of American Express for a decade or so. After making on-time payments for years, in the late summer/early fall of XXXX, I shorted a payment by {$15.00} on accident. Seeing the error I quickly made the payment so the account would not reflect as past due. Little did I know that {$15.00} missed payment would trigger penalty based pricing and nearly double our interest rate. 

My husband ( XXXX ) contact American Express on approximately XX/XX/XXXX for a separate matter and was advised that our interest rate was an incredibly high 29.24 %. We were shocked to find out that our rate went from a variable rate of 17.24 % to 29.24 % because of a {$15.00} discrepancy in payment in XXXX. Looking back through statements, I finally found the notice indicating the increase in rate, but it was in small print and not easily located. When my husband inquired of the American Express representative on how we could return to our regular contract rate, the representative was quick to offer to have it changed back for the next statement cycle and advised him that if we had called earlier, they would have taken it off at our request. 

The fact that American Express has no guidelines on when a customer 's penalty pricing will be removed is unfair and disparate treatment. All of their customers are not being treated consistently. Most credit card companies I know will return a customer to regular pricing after six months of consecutive on time full monthly payments, but penalty pricing would have continued indefinitely had we not contacted American Express regarding a completely different issue. How can a credit card company get away with such treatment of their customers? We are not wealthy by any means and the increased APR caused our payment to go up nearly {$120.00} per month. {$120.00} during the covid pandemic that could have put food on the table for our children, helped provide for tutoring for our struggling XXXX  aged XXXX learning virtually, or allowed for us to live with some peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have contacted Transunion about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.

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 2022-07-09
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fidelity Collections put 7 items on my credit report for the same account debt, I tried contacting them and they just hung up on me. 

The Same account listed multiple times on the credit report for a debt with different amounts. 

This is against the FCRA. I was told to file a complaint with you by the Attorney who will be representing me in this case. 

This is illegal behavior that must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Other financial service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
FOR 38 YRS. W/ AMERICAN EXPRESS ALWAYS PAID MONTHLY IN FULL NEVER LATE. 2 YRS. AGO, A MERCHANT ( XXXX  XXXX  ) CAME TO INSTALL A NEW FLOORING, BUT UNABLE TO FINISH LACK OF MATERIAL. AND NEVER COME BACK. THEREFORE, I DISPUTED W/ AM EXPRESS FOR {$500.00} CHARGE FOR 2 YRS. W/O RESULT. WE CAN NOT PAY FOR UNFINISHED JOB. 
BESIDES, AM EXP. KEPT SENDING ACTIVATED CARD W/O PERMISSION TO OUR EMPLOYEES WHICH IS UNLAWFUL & PUNISH BY JAIL PENALTY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance money.

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 2018-02-12
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that XXXX provide debt validation for account ( XX/XX/17 ) listed on credit report Debt validation in the form of an original bill and detailed statement of procedures is 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 2020-12-01
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE 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 2020-12-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed this account and Experian updated my account with the credit company listed below. The account should've been removed by Experian because the account isn't my account.. XXXX  and XXXX  has already removed this account from my report. Please help me to get this account removed from Experian, it's damaging my personal credit. 
XXXX XXXX account number XXXX opened XX/XX/2019 amount owed {$610.00}.

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 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions 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
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On the XXXX of XXXX I deposited a check in the amount of XXXX dollars in my account at WELLS FARGO, referring to a payment for work. But the bank, instead of giving me this money ( depositing it in the account ) took the money from me. My balance decreased this amount, causing me losses for being on a trip. I had to borrow from friends to pay the bills. I called and the assistant said that the problem will not be resolved until XX/XX/XXXX. This is absurd!!!

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 2016-06-20
Company: LendKey Technologies, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company Loan Key - Lend Key is the most dis-functional people I have ever dealt with. I took out a small {$2000.00} loan for medical. Payments were set up on auto pay for the XXXX of every month for {$92.00}. Plus i was making extra payments on top just to pay it off quickly. I noticed that online said paid but nothing was pulled from my bank. I called a number of times always getting the same answer. Your account is paid and no payments due. Then I called again to make sure on XXXX. After receiving an email my account is past due. Talked to XXXX at XXXX XXXX confirmed my {$300.00} payment and next payment due XXXX He guarantee everything was good. Got a call not but 20 mins later from lend key saying my account was past due. Told her I just talked to XXXX and he said all good. She said your right. Its all automated and I apologize. Then Saturday morning XXXX I got another email that my account is delinquent. Tried to call and closed on Saturdays. First thing today Monday morning i called to get the pay off amount. Again talked to XXXX he told he {$1900.00} I let him know would be paid off today. I was very unhappy with this company. Again not but 30 min later I get a call from lend key that my account is past due. These people are insane!!! I was n't very nice to her. She said OK have a good day. I made the pay off payment this morning to be done with this company. An absolute joke!! I have all my transaction history papers and notes. 
Someone really needs to look into this company and shut them down! No communication between there systems and people. Clueless customer service. Worst loan experience I have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This document is for the review of a transaction made on XXXX XXXX at XXXX for {$300.00} which is completely a fraud transaction. I was in the car with someone at the time and was very far from where the transaction occurred. According to Chimes records the atm withdrawal was made at XXXX XXXX XXXX. When I XXXX searched the address it said a XXXX in XXXX XXXX, NY. I have no history of being in that store or around that area and I have stressed this several times. T-Mobile has records that detail where i was around the time of the incident because I made a call immediately when I saw the atm withdrawal notification. No history in the area along with a witness and GPS records should be more than enough to prove the transaction was illegitimate. If you look at the location of the next transaction directly after it was in the XXXX for {$200.00} at XXXX p.m. which was all that was available through my savings and spot me. The transactions were almost XXXX minutes apart not enough time to make both transactions which means no matter how you put it I am not responsible nor did I approve the withdrawal of {$300.00} at XXXX. Also, Chime has record of me reaching out immediately as do I. I have had countless rebuttals denied for this dispute and they do not take it seriously because each denial seems to come faster. This morning at XXXX. XXXX. I was notified both of my acceptance and denial for a review. I can prove it was not myself and therefore I deserve my {$300.00} dollars back. Some how they made an error and put my initial claim for {$500.00} dollars and I told them that was incorrect. I show them in the app I also wrote {$300.00} and to my knowledge they have not made that correction. It is a lot of information that I have provided but has not been used properly. At this point it seems they have no intentions of refunding me or tightening up on security both are truly sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/12 - Filed a dispute with XXXX / equifax information reported incorrectly on XXXX XXXX credit accounts and asked for removal off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am having difficulty refinancing my mortgage because my current mortgage holder will not report it to the credit bureaus. I do not get written or verbal responses when I contact the bank. I have called and written them asking that they please report my mortgage to the credit bureaus so that I can refinance. They seem to be using delay and avoidance tactics to prevent me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XXXX my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points 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 explanation
Consumer complaint received 2022-07-09
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this complaint, as a follow-up to my previous complaint against PayPal, that I submitted on XX/XX/2022. This complaint was resolved in my favor, which was asking PayPal to provide me with a way to withdraw my funds from an account they closed over a year prior, and despite them stating I may withdraw my funds now, I am still encountering numerous obstacles placed by PayPal. At first I was allowed to withdraw XXXX XXXX then XXXX $ a few days later, and then nothing but errors stating to try later. After countless phone calls with their support, I was told different stories by each PayPal representative telling me first to wait 12 hours, after which I still couldn't withdraw, I called again and was told to wait 72 hours.. Again I waited til 72 hours had passed, yet still couldn't withdraw. I called again and was told by the representative that " you will have to wait for another email from the backhouse '', I then asked to speak with a supervisor, and was DENIED this from the customer support rep, and told " a supervisor can not help '', and whilst still on the phone with this horrible PayPal rep, I was able to transfer XXXX XXXX completely disproving everything this PayPal rep was spewing. Currently, I have not been able to transfer more than XXXX $ every couple days, which is ridiculous considering I have over {$5000.00} still being held from me by PayPal, and forcing me to have to pay absurd fees for each transfer of XXXX $ every few days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a challenge letter XX/XX/2019 to Experian about an incorrect account on my credit report. I ask Experian to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from Experian. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Remove Fraud Alert and any personal statement from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation