BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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 in a dispute letters to the three credit bureaus Experian, XXXX and XXXX. I received an update today from Experian in regards to account from XXXX XXXX XXXX with account # XXXX. This account was reported as being included in a bankruptcy back in 2016 which is incorrect. They did not properly investigate this nor did they read the request that I requested in my dispute letter. Per my dispute letter I advised that I never had a contract with this alleged debt collector for any debt. I asked that they please provide ME with proof from the Original Creditor that the debt collector owns the debt and has legal authority to collect or delete this account. I called Experian after receiving the update and asked why was this reporting as Bankruptcy which is definitely inaccurate and why was my dispute letter not properly read and thoroughly investigated. I also asked why was I not provided with the information that was requested in my dispute letter. I was told by the representative that they do not have to provide that information to me. I asked several times and the representative told me that the requested information will not be provided to me due to it being sensitive information. I have a right to asked for validation of an alleged debt as a consumer. Experian should properly and thoroughly investigate the information inside of my dispute letter and they should be able to provide me with proof that the alleged information is accurate and they refuse to do so. I feel that my rights have been violated.

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 2016-12-06
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these 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 2022-07-25
Company: Experian Information Solutions Inc.
State: OH
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:
the company say it is accurate but it is not they have no proof that i signed any paperwork with them i never signed no paperwork i never talked to them i need accurate proof that i own this account if not please remove this account

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 2022-07-25
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My account was opened and funded when my card arrived I tried to activate it. When I tried it didnt work I called them and got transferred to the rudest nastiest customer service agent who read a long script and then she hung up On me. No explanation just a bunch of words

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, 2016, I was served false court garnishment paperwork owed in amount of {$2800.00} by Resurgence Legal Group. XXXX. There requesting, I own this amount. Not sure how they came up with this when I never once contacted by them initially, so I can not tell you what this debt is for. I need some help ; I am requested that they send me proof they have the right person and advised me the of whom the original creditor is and or what it is for. Moreover, I would like for this garnishment to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was a glitch in transunions system. There are inquiries on my account that are not authorized. Please assist me in removing the following inquiries of my credit report : XXXX XXXX. XXXX XXXX, 2016 XXXX. XXXX XXXX, 2016 XXXX/ XXXX XXXX. XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX, 2016. & XXXX XXXX, 2016

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 2022-07-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lowes stated that my payment bounced back due to not being able to find the account. This was the same account i used for previous payments and later on payment. Then they started adding on late fees but did not alert me to the missing payment. Then they hid the fees from me. When i would go to their website it would give me the option of the minimum payment of {$40.00} or {$45.00} and again still not showing that a payment was missed or a late fee was added. 

This went on for XXXX months until i started looking at my statement. On the XX/XX/2022 statement it shows the return of the payment but without an explanation or an alert to what was going on. Again after this date i was still given the option of making the minimum payment while they again charged me a late fee. 

On XX/XX/2022 i attempted to contact lowes credit and was only given the option on chatting with a computer or a live person. during the live chat i was passed around to XXXX different chat people. i asked multiple times for a phone number and was not given the number. it was not until i said i was filing a complaint i was given the number to talk to a real person. 
With only one fee reduced i was required to pay the full amount without any help. I feel i was mislead and fees where hidden so that other charges could add up When i was able to talk to a real person it was given the same story and run around.

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 2016-07-30
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Other

Complaint:
I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to understand why a closed an inactive credit card reflects as open on my credit report while my mortgage which is still actively paid shows no history and closed. This is the home I reside in and intend on paying the loan amount in full. There was a lack of communication during my bankruptcy while attempting to reaffirm this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. Criminals applied a load in Wells Fargo bank account online, I did not apply this load. At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. One of criminal has a WellsFargo Bank account. Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and 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 2019-12-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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 2015-03-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other fee

Complaint:
I have been with Best Buy credit card for a couple years now. I have recently notice that on the last statement I have a charge from XXXX XXXX. I was going to dispute the charge on the best buy credit card site but the option was not availible. I went back each statement and noticed I 've been charge a fee every month. I 'm starting to wondering if this has the the case since I 've had the credit card. This really makes me want to pay off my card and never do business with Best Buy again. I have never signed up for this service nor would I ever want this. I will only stick to my local credit card provided by my credit union. 

The fee is on my statementsXXXX of 2014

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-06-03
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company refuses to provide me verification and validation of debt. They will not respond to my letters and there is no phone number to reach them. This debt is in dispute because i do not owe this and have no idea what this is for. This is past the 7 years to 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
Consumer complaint received 2020-06-19
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making payments for my property taxes for the leased vehicle XXXX XXXX since 2017. KIA Motor finance assumes this payment is NOT being made and demanded to make the payment in excess of {$2400.00} for all the previous years. I have shown them the payments made over XXXX County VA website for the same vehicle. I have gotten no response from them. They demanded me the entire amount else report to Credit Bureaus. I see a comment made on few credit bureaus that this account is past due. 
Please help me. I have evidence related to payments and email communication Attached are the two files.

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 2016-09-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..

Company response to consumer: Closed with explanation