BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, 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 2020-12-30
Company: Experian Information Solutions Inc.
State: KS
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:
I have contacted Experian numerous times to no avail regarding a Mixed file, I know it is as such because after speaking with my brother who shares a similar name and address, has many of my personal accounts and vice versa on his Experian Credit Report. XXXX and XXXX  do not have such a issue with respect to reporting accurate and complete information regarding accounts, especially student loan accounts. I have further inquired with the Student Loan company, XXXX and they said they sent a UDR request to Experian to immediately cease reporting of my student loans to my brothers credit report. They found this odd and obviously in violation of the law, especially as it relates to the FCRA et al. As a result of Experian 's willful negligence and contempt for reporting only accurate data, I have been denied multiple credit offers that otherwise should have been granted, but because they take only into account Experian information it is not accurate nor complete, the fact that I have no late payments and always pay in full alongside my student loans which have never been late is a testament to the amount of work I have put in being financially disciplined, if only Experian held the same standard when reporting information to the actual individuals account. I am beyond exhausted from sending multiple CMRRs to no avail, it is time Experian correct the improper and perniciously inaccurate data!

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 2021-04-20
Company: KEYCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX  anyone!! We filed a fraud claim. In the meantime, Key Bank " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XX/XX/2020 to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately

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 2022-03-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This XXXX account is not mines. This account has been disputed and deleted from XXXX and XXXX. It is still showing up in my profile. 
Please delete from Experian. 

XXXX XXXX NO PHONE NUMBER NO ACCOUNT NUMBER NO PAYMENT HISTORY NO CONTRACT NO PROOF OF VALIDATION PLEASE DELETE FROM MY.CREDIT FILE

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 2017-03-14
Company: SQUARETWO FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 2016-01-21
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Other

Complaint:
This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). 
Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: U.S. BANCORP
State: OH
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:
US Bank through XXXX did not send me a bill for last month and then proceeded to charge me a {$29.00} late fee. I called them to report it and they did not reverse the late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I am disputing the XXXX, XXXX and XX/XX/2019 derogatory credit reporting. I was under forbearance at that time and should not have been reported delinquent. The representative I spoke with afterward was supposed to correct the credit the reporting, and that never happened. She did setup a new payment due date and monthly payment amount, but never fixed the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was used by someone who was not me for multiple fraudulent charges by a company called XXXX or XXXX XXXX. I contacted DISCOVER card to point out the multiple fraudulent charges made over & over in different small amounts by a company I have never heard of. My card had been stolen from my car & I was unaware but DISCOVER card wouldnt resolve my claim even after I provided them a written out summary of charges I made VS. the summary of charges that I did not make that all show the name XXXX & a transaction type of merchandise. On XXXX there are multiple claims you can easily find showing that this company XXXX has fraudulently charged multiple other people in the thousands. I require assistance in resolving this issue since DISCOVER card is unwilling to further review this claim fairly & is punishing me for charges that I did not myself make or authorize in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2016-04-25
Company: Brown and Joseph, Ltd
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
XX/XX/2020 I was unable to obtain free credit report from Equifax. I was also unsuccessful in placing a credit freeze with Equifax, today, as well as over the past three years. Equifax wants me to mail copies of drivers license, social security card and other documents ; with no guarantee of safety or access. The two agents I spoke to today said they could not access my account. This is just Equifax runaround way of making it difficult to obtain the credit report or to place a freeze. 
Their website indicates my account and personal information was impacted in data breeches, yet they want to be in possession of my personal documents to subject them to future breeches. I had no problems obtaining credit reports, and freezing my credit with the other 2 agencies. Equifax said they can not help me and do not care if I contact you. I have tried to resolve this issue with Equifax for three years. By making it difficult to obtain personal credit reports, they increase the chances of identity theft.

Company response to consumer: Closed with explanation