BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I stayed at XXXX XXXX XXXX as part of a large work group XXXX. I had my own room and provided my Amex for room incidentals. When I checked out I noticed there were {$110.00} worth of charges on my bill that were not mine. The front desk said they were from a food truck. I explained I never went to a food truck. They removed the charges, printed me a new folio, and I checked out. The correct folio amount posted to my AMEX the same day. 

On XXXX I checked my AMEX and what do you know, XXXX had processed the correct folio AND added the incorrect charges 3 days later in a separate charge and they were pending on my card. I promptly called XXXX and accrued {$59.00} dollars in long distance explaining to the XXXX that the charges were incorrect. She told me the charges were alcoholic beverages from the pool ( note : not food truck ). I explained I do not drink alcohol ( technically irrelevant ) and did not order any drinks at the pool. She then asked if I drank water which I said I did and she stated well theres XXXX water on this tab too implying I mustve been a part of the tab because I drank water ( like XXXX other people did that XXXX degree day at the pool in XXXX? ) I got no where and was placed on hold and she never returned. 

At this point fed up, I disputed the charge electronically with Amex and provided my folio and an explanation of the situation. 

On XXXX I received notice from Amex that the dispute was closed and I was charged {$110.00} because XXXX provided a receipt from XXXX XXXX with XXXX alcoholic drinks for {$110.00}. Again NOT MINE ( and not the pool or food truck as erroneously stated by the hotel ). Again I did not buy these drinks or patron XXXX XXXX. 

I reach out to Amex electronically who said this was not filed correctly and was not a dispute but instead fraud. I explained this was a basic run-of-the-mill disputed charge if ever there was one ( aka charged for product I did not receive ). Amex was not hearing it, transferred me to the fraud department who then canceled my card and started a fraud case!

Yesterday frustrated by receiving a new card I called Amex fraud department who told me this never should have been fraud and should have been a DISPUTE, closed the fraud case, transferred me to dispute, where yet ANOTHER dispute was created! I am going round and round. Please help CFPB!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted my identity verification multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: United Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See Attachments Included. This medical debt for XXXX  XXXX has been reported on my credit with a date of XX/XX/2022. I have never received any written notices in regards to this alleged medical debt for {$670.00}. I sent a debt validation letter and they only thing I received was a list of charges and a doctors name that I do not know. I never received anything with my signature on it to validate this alleged debt.I have reported this and filed a complaint as well as there other items on my credit report that is inaccurate and needs to be deleted.I have sent notices in regards to wrong names and address listed under my social security number and it has not been removed and no hard inquiries have been removed as well. I did dispute medical debt twice which the claim was verified within 2 days of submitting the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Select Portfolio Servicing, since XX/XX/XXXX, saying that I supposed to have an amount of {$9900.00} from my escrow. But, I tried more than XXXX calls and until now, not happened. They told me that they sent the last check on XX/XX/XXXX, number XXXX, but I didnt receive that check yet. I asked about the tracking number, but they dont have it. How can I receive it, if the only thing that they say is : " just wait more days ''? Im waiting more than 100 days!!! 
Nobody knows anything about what happened, when I call. I tried to talk to supervisior too, and she said to me : " Call on Tuesday ( XX/XX/XXXX ), and someone will give the tracking number ''. So, I called and again the answer was the same : " we dont have any tracking number, and just wait a couple more days for your check ''. 
Actually, I think that, if there isnt the tracking number, they never sent a check, because there inst any proof about that. I need my check, because its MY money!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX XXXX out of the state of Mississippi reported to the XXXX credit bureau as a collection of {$660.00} for Collision repair I have no knowledge of this account I live XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to deposit a check that I thought was good but it wasnt

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 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

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 2020-03-10
Company: Ditech Financial LLC
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 status incorrect

Complaint:
From XXXX to XXXX Agreement with Ditech Mortgage Company to allow my mortgage payments to be put at the back end of my loan to avoid late payments. Since XX/XX/XXXX I have asked for a historical account of my payment history after discovering the mortgage company reported the agreement as late payments. Every month I received the same form letter stating they would resolve this but nothing has been done and it is now XX/XX/XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my account!!! Remove credit acceptance off my XXXX  and XXXX  credit file. This was opened with no knowledge from me.

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 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased my XXXX when the engine and transmission went out, before the month at that point I already paid my differed payments of XXXX, I had to go in person so I could've gotten another car which is the XXXX I got now, they started another contract for the amount of {$21000.00} I didn't start paying til XXXX payment of {$240.00} every XXXX weeks, ever since west portfolio took over I haven't seen my payments going down... and I started to pay them on XX/XX/XXXX. What to do? And west portfolio charges an extra XXXX for debit payment and all I'm seeing is the {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for my credit card and it never arrive. I have never done or attempted to do business with these two merchants " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$55.00} XX/XX/XXXX XXXX XXXX XXXX NY {$150.00} I contacted American Express to dispute my card, they closed my case for no reason.

These are fraud charges. They should suspend those two charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: MRS BPO, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address. 

XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor. 

I do not have any debt with XXXX  or XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
So I put in a dispute for a charge about XXXX XXXX. They charged me twice for the same flight. 

They sent me over documentation saying I purchased it which I did, I had a medical emergency that made me cancel my original ticket and purchase a new one because I was hospitalized. So I did purchase both tickets but one of the tickets should of been cancelled and it wasn't. So I have two tickets for the same flight. Somehow they are providing documentation to Capital One saying I got on the flight .... which I DID but not the one I booked originally and needed to cancel for the second flight which I purchased. 

There is two XXXX XXXX transactions. I only had one. At the airport in XXXX they didn't give me a cancellation paper they just told me they took care of it. Yet they didn't and both charges are on my credit card.

So either I have a clone that can take two flights or they double charged me for the flights.

I'll add the documentation of the letter from the hospital as well to show that I was seriouslyinjured and had XXXX, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
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: Account information incorrect

Complaint:
I just received my reinvestigation back from TRANSUNION INTERMEDIATE HOLDINGS , INC . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ).

Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 
I attached a consumer report as evidence.

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