BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the account as delinquent to credit agencies, Experian, 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Westcreek Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased furniture from a local store chain called XXXX XXXX. They offered/partnered with a lender for financing called koalafi. They store rep told me that the loan is interest free for the first 90 days then is interest bearing thereafter. I planned to pay off the {$4000.00} balance by then so it wasnt a concern of mine. They did not go into any further details about how the loan works. In my mind, traditional situations like this are common and there isnt anything fishy or catch that would make this worse than it appears. It was I wrong. When I signed documents, its through docusign just like many other set overs these days. Click a button and it skips to the end of the contract to sign. My fault for not reading it but when I get to the catch they erroneously didnt mention, the fundamental approach of this loan is predatory. Ok the terms of the contract as I understood them are that they will deduct {$270.00} biweekly. After 90 days the loan becomes interest bearing. I made an additional {$1000.00} payment during these 90 days to bring the payoff amount down to something more manageable by the time I get to the 90 days. These payments are automatic. I dont have to login to a portal or call to make the payments. I login to the portal to get my payoff balance on XXXX as I planned on paying it off and the balance not only was around the {$1300.00} it should have been around, the balance increased higher than the purchase price of {$4000.00}! ( It was around {$5500.00} payoff ). I checked the contract and after the XXXX payment, the balance automatically increases to this figure regardless of whatever the balance was previously prior to the 90 days. Bear in mind that the 90 day period ended on XXXX so I was 2 days late. So the {$2600.00} I paid up till that point went nowhere. As again, the balance increases to XXXX and is interest bearing with the same payment and schedule at 24 %. If I continued paying it on schedule the total amount paid for a couch and love seat would have been over {$13000.00}! I was able to get them to honor the original payoff amount after I raised XXXX with the rep and supervisor. They charged me 5 % of the original financed amount for the 2 days late and another 3 % of the payment amount in order to process the card payment outside the regular payment schedule. Fees fees fees. My payoff increased from XXXX to XXXX For anyone else that doesnt have the capacity to drop {$2000.00} to pay off the furniture, theyll have to get screwed by these guys and waste a ton of money or will end up in collections. This is a terrible loan, aiming to take advantage of people and definitely matches up to predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: AMERICAN EXPRESS COMPANY
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:
I called American Express Early XX/XX/2022 to cancel my American Express Credit Card. I was cancelling my card because I received an annual fee. As an exception American Express waived the fee and closed my account. Days later the fee was still on my account. Once again American Express stated the account was closed and they will waive the fee. Last week I received an e mail stating a min {$40.00} payment was due. American Express has locked me out of their online banking portal. i called them for a 3rd time. At this point they advised that I had a balance- of the annual fee. The representative ( Employee : XXXX ) stated they were not able to assist me, nor would they send me in writing the account was closed and the fee was waived. I had to wait for a call back. This caused major distress. The employee confirmed the in their system of record notes the account is closed, and the fee is waived. American Express was negligent and charged me an annual fee on an already closed account. This is very concerning, how may clients are they doing this too? This issue needs to be investigated. My account was closed. American Express 's system of record supports they waived the fee and closed my account in XX/XX/2022. XX/XX/2022 they charged a closed account an annual fee. They had no way to correct this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Amount {$3800.00} Phone call about the debt on XXXX XXXX Send a letter to my address the date the the letter was XXXX XXXX Debt collection company : Central Portfolio Control , Inc. 

Original creditor : XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX  I graduated from this college in XX/XX/XXXX. The school had a very strict policy that each student must clear all the expenses before they could graduate and get an official transcript. Also each student must have a meeting with a person from financial department to go over the tuition and student loans, if it had been taken out. 

More over the company that managed the school XXXX XXXX XXXX XXXX XXXX, abruptly shutdown due to its financial situation, causing a lot of people to lose their jobs. 

Therefore, there is no way that I owe this debt as they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax mishandled my information, and the information of millions of other Americans, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Three Equifax executives sold shares worth nearly {$2.00} million in the company days after a data breach was discovered -- THIS IS IMPROPER. They sold shares before informing anyone of what had happened. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
I have already requested a credit freeze through XXXX and XXXX costing me {$10.00} per credit service. I will need to pay Equifax to freeze as well. ( Even though Equifax is the one who screwed me over in the first place. ) I will need to pay {$10.00} each time I want my credit unfrozen ( even if temporarily ). 
This Is Not Acceptable. 
Someone needs to pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-02-11
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Gemini wont let me add funds to my account until my account is verified. No timeline is given on how long verification will take and I had already sent them pictures of my I.D . a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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 personal information was compromised during the Equifax hack. I checked whether I was impacted on XXXX XXXX XXXX. This is unacceptable for a company that has all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax has mishandled my information ( social security number, addresses, etc ) and put me at risk. Furthermore, I can not obtain a copy ofmy credit report from them in order to check if there is any fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Credit scores are very important for people that do not have a lot of money and need to get loans or move into places. So, I make sure to monitor my score and try to improve it the best I can. I trust these companies with my information and my credit reporting because I have no other choice. I live and die by these arbitrary credit scores and now my information opens me and millions of others to fraud that can prevent me from buying a house, getting an auto loan, or even loans for any children I have down the line that may want to go to college one day ( so I can help build their arbitrary credit score, much like my parents did for me ). Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recently found a US Bank MasterCard gift card I had purchased about two years ago. I tried to use it on XX/XX/20, and the charge was denied. I noticed on the front of the card it had expired in XX/XX/20. I went to the website listed and was told to call an # XXXX number. I called the number, entered the card number and three digit pin and was told I would be transferred to a representative. The call was transferred and I heard another message saying, " Due to Covid-19 wait times are longer. '' The call then rang as if I was being transferred, but after one ring the call  disconnected. This has happened repeatedly since XX/XX/20.

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 2017-09-08
Company: LD Holdings Group, LLC
State: IL
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:
In XX/XX/XXXX, I discovered that LoanDepot had inaccurately reported me to both XXXX, and XXXX, as being 30 days late for XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, They admitted to me, both verbally, and in email, that they had made a billing error with my XX/XX/XXXX payment, and this had caused the problem. Floor Supervisor, XXXX XXXX, assured me that if I disputed the negative reporting with the bureaus, they would correct the reporting. 

On XX/XX/XXXX I filed disputes with XXXX, and XXXX. 

On XX/XX/XXXX, I learnt from XXXX, and XXXX, that LoanDepot had affirmed the inaccurate information as accurate. 

Since then, I have exchanged multiple email, and made multiple phone calls to, their customer service department. I have received assurances via email, and verbally, that the issue would be resolved, but each time frame of 30-45 days I have been given, has passed with absolutely no change to the inaccurate negative reporting. 

The inaccurate negative reporting by LoanDepot has damaged my credit, and impacts my ability to earn a living.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax XXXX XXXX XXXX XXXXXXXX request that you contact XXXXXXXX XXXX XXXX  because { YOU } do not show address, on your credit report NOR no account number, document enclosed,. I request from XXXX XXXX XXXX  to send myself a copy of date last alleged activity, date last payment account number, balance. As for YOUR credit reporting this should be removed from my credit report for inaccurate, incomplete reporting by YOU. 15 U.S.code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I called the XXXX phone number about section 611 when all of my inquiries were removed and then put back on later but I never received the letter I should have received within 5 days at all.the person I spoke with was totally rude and uncooperative with me.this is totally unacceptable of a person in his line of work. 
the inquires are as followes. 
1. XXXX XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX   XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX   XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22.XXXX XXXX XX/XX/XXXX 23.XXXX XXXX XX/XX/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 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I cosigned for some of my daughter 's loans. She is having financial difficulties and asked all her loan servicers for a forbearance all of them except Wells Fargo granted the forbearance. Wells Fargo did not acknowledge the request. I myself requested the forbearance, but again we never got a decision, they just kept hounding me. I do n't even have a job right now, and they have absolutly destroyed my once excellent credit. On 2 occasions they just took the money straight out of her wells Fargo checking account. Bad choice to choose wells Fargo for her student loan.

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