BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
American Express enrolled me into an opt-in " Pay over time '' program without my consent, and did not notify me. As a result, I was charged interest when I submitted payment for what I thought was my statement balance, but was in fact the minimum amount due under the program. 
When I reviewed my next account statement, I noted an interest charge and considered it a mistake on my part for not paying off the full balance. I submitted a payment to cover the full statement balance so that I would no longer be charged interest. 
My current statement now shows another interest charge. I called American Express on XXXX XXXX XXXX and their customer service representative ( XXXX ) advised that even though I had submitted payment in full for my statement balance, the company was going to continue to charge me interest for the previous charges. In effect, these charges are perpetual -- paying off my full balance would only cover the interest calculated for the reported balance, but interest continues to accrue after the statement is delivered and even after they receive payment. The lag between theses systems ensures there 's always a balance due. 
During my call American Express was able to immediately locate the XXXX XXXX XXXX email with their " Pay over time '' offer, but they can not locate any record of my having enrolled because they do n't keep records from that far back. They said they would remove me from the program, but they have not sent me any notification they have actually done it. They are continuing to charge me interest resulting from their having enrolled me in a program without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Bank of America CEO which explains the circumstances. 
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 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX UNIT XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Payoff process

Complaint:
I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, 11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX, Account # XXXX, XXXX  # XXXX and XXXX XXXX have 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 2017-03-29
Company: ATG Credit, LLC
State: IL
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:
On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. 

I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). 

XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. 

While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. 

Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

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 2020-05-27
Company: RCS Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been paying on this account for 3+ years ; they refuse to tell me the balance on my account. I have made multiple phone calls ; they never answer. I did speak to XXXX on the week of XX/XX/XXXX ; she did give me her number to resolve the issue ; now her number is not in service and still did not get my balance. Last year they did send me a statement with an extra XXXX on the balance stating that is how much you will owe if you are a day late with any payment ; I have never once been late. 
They hold onto my payments for more than 30 days ; and I have no way of communication with them. I just want in writing the right amount that I owe, not if I'm a day late but the real amount I owe. I have tried repeatedly to resolve this issue to no avail.

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 2022-07-22
Company: EQUIFAX, INC.
State: NC
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 XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX # XXXX and XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
At XXXX pm on Friday XX/XX/ I received a phone call from an unknown number ( XXXX ) .Caller said he was from some dept. at XXXX and noticed strange activity on my Wells Fargo checking account.He had me open my XXXX, then HE downloaded an app " XXXX '' onto my computer as well as my XXXX.As soon as I hung up, I saw that a wire transfer was made from my checking account for {$5400.00} without my knowledge or consent. 
I took me a long time to delete this app. At XXXX I reported this to Wells Fargo XXXX they closed my account, and opened new one. They saw the wire transfer had gone to XXXX, and said they put in a request to rescind this transfer but said they are not hopeful.I was able to then check my emails and texts, all from Wells Fargo, asking me to sign on to my account and verify my mobile number.They then provided an Advanced Access Code to hacker and allowed him to add his name, XXXX XXXX XXXX XXXX XXXX XXXX, as an online wire transfer recipient.Other notifications were sent confirming that a wire transfer was made from my checking account. Wells Fargo apparently using XXXX to make wire transfers using mobile phone number.I am somewhat elderly, and this has rattled me very much!!!! My bank said they reached out to XXXX within a few hours, but claims they are not responsible to see that I am reimbursed.I have the times, date, texts, and emails I received from hacker and Wells Fargo if you need them. 
I have banked with WF for many years... I did not know they use XXXX automatically as I never would have agreed to this. They stated that the bank is not responsible financially for this fraudulent wire transfer, so unless XXXX returns my money, I will lose a lot of money, which I can not afford. Can younplease help? 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 monetary relief
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: ID
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:
Equifax can not locate my credit file. 

In applying for a home mortgage I discovered ( was notified by my lender ) that XXXX  and XXXX  were reporting my credit, but Equifax was not. 

This does not make any sense, as I have had credit cards for over 6 years - through XXXX   XXXX XXXX and XXXX XXXX. I have contacted XXXX XXXX  XXXX and XXXX XXXX and they both confirmed that they were reporting my accounts to Equifax. 

I have contacted Equifax monthly for over 6 months now, and they have told me the same thing every time : " Equifax can not locate your credit file. '' I have responded that that is the exact problem I am trying to solve and every time they have insisted to me that the only way to solve this problem is to mail or fax them a copy of my Driver 's License, Social Security Card, and a cover letter explaining why I'm sending them this information. I have done this four times now, three times by fax and one time by mail. Two times I have gotten the same letter of response saying " Equifax can not locate your credit file '' ( attached documents ), and two times I have not gotten a response at all.

Now I am trying to buy a house and my mortgage lenders will not give me a loan with only two out of three credit reporting agencies reporting my credit. I have been dealing with Equifax for nearly 9 months with this issue, and they seem to be careless with my personally identifiable information - Social Security card and driver 's license, along with cover letter stating my addresses over the past five years. 

Is there anything that can be done to get Equifax to recognize that I'm a real person and report my credit? I'm a Federal Government employee who has had finger prints taken and background checks performed, and have an extensive borrowing history through XXXX  XXXX XXXX and XXXX XXXX. My credit score is excellent, and I have never missed a payment. 

Thank you.

Company response to consumer: Closed with explanation