BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: DISCOVER BANK
State: GA
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:
On XX/XX/XXXX, I purchased a couch from XXXX XXXX for {$3400.00}, and used my Discover Card. The couch was supposed to be delivered in XXXX weeks, which should have arrived between XXXX ( confirmation attached ) On XX/XX/XXXX, I received an email from the former CEO, XXXX XXXX, apologizing for the delay and changing my delivery date to XX/XX/XXXX. There was a link at the bottom of the email to fill out a form to cancel your order, but it was a simple XXXX XXXX  and I did not receive a confirmation/receipt for completing the form and no response after completing the form ( email attached ). 

On XX/XX/XXXX, I called Discover to dispute the transaction stating that the company was entering bankruptcy and that I had not received my couch and that it was beyond the original delivery time frame. 

On XX/XX/XXXX, XXXX XXXX avoided bankruptcy and entered an XXXX. Sold parts of the company to XXXX, but did not sell the past orders. ( News Story Attached ) Over the course of XXXX and XXXX there was a website, XXXX, to check the status of orders. Which finally ended with " CAN NOT BE PRODUCED '' ( All status updates attached ) I contacted Discover Card multiple times over the course of the two months and was asked to provide multiple forms of documentation to prove my case. I provided the proof of purchase, all status updates, the communication about the XXXX process, confirmation that my order would not be produced ( attached response letter from Discover showing all phone calls placed ). 

On XX/XX/XXXX I received notice from Discover that my dispute was settled in favor of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a scheduled XXXX on XX/XX/2023... .in my local hospital to have a XXXX XXXX. I was in XXXX for approximately XXXX hours then went to recovery. On XX/XX/2023... I looked at my bank acct to see if my social security check had hit my acct yet. When I went in to check there was over XXXX missing out of my act. The $ missing was from XXXX fraudulent charges of XXXX each. Made on my acct. Which I locked immediately.The charges were made while I was in XXXX and recovery. I contacted my banking institution and the Said I had to file each individual complaint as fraudulent. An individual finally worked with me to help me file them since I was just getting home and still recovering from XXXX on XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank sent me an email stating they needed to verify my identity by XXXX Eastern standard time to keep my acct open I sent the copy of driver license and a selfie. The identity verification tab verified my identity went through at around XXXX XXXX. The email from my bank also stated the reason they wanted to verify who I was is because they thought " based on ther data and analytics my dispute my be fraudulent or false '' ... ..now I have been in the hospital in XXXX the days all this happened!!!! ... now ot XXXX XXXX  XX/XX/XXXX I get another email from my bank stating " we closed your cash card you didn't verify your identity after your dispute was flagged as fraudulent or false '' your dispute has been denied... .reason for declination " acct history..trans dusputes ... or other possible violation of terms if service '' ... .we can not provide further details and are unable to change decision. Then finished with I can't order a new card but I can still access my money in the acct and stocks and bitcoin hiw can they determine my acct was making a false or fraudulent accusation when I jumped through all the hoops they wanted me to. Then when I called back in I was treated like a criminal over the phone and Noone offered any help if it did not go by there pre scripted statements ... ... .there was over XXXX ... ... XXXX charges ... .I am a XXXX XXXX  man ... I have better thing to do especially when I am having a XXXX XXXX  that listening to over XXXX songs on an app.thanks for your assistance ... ... all this info is verifiable and none of it is false. It is all documented with emails and XXXX times at hospital ... ... .thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit 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:
On XX/XX/2023 I received notice that a purchase of {$810.00} was made on my account for a purchase of tickets to an event. I did NOT authorize this transaction, nor did I have possession of my card. I realized my card had been stolen and immediately called Chase Fraud Protection to report the unauthorized transaction, as well as issue myself a new credit card. They immediately credited my transaction and sent my card back. All seemed fine, until a month later on XX/XX/XXXX, they reinstated the charge for {$810.00}. They claimed that I had " received benefit from this purchase '' which is completely false and untrue. I have no idea what was purchased or where these tickets are. I have called Chase Fraud Protection multiple times and I am always outsourced to a call center in XXXX. They typically have no idea what is going on with my account and read notes that I benefited because my email and address were used to purchase the tickets. The problem is, the email they claim I used, I have not had access to in over a year. It is possible that my email account is compromised and my credit card information was left somewhere in my email account and that whoever had access, was able to make a purchase. Regardless, I did not authorize this transaction and due to Chase 's " Zero Liability '' policy on my credit card, I should not be charged for this transaction. I am leaning on the CFPB to right this transaction before I am forced to take Chase Bank to small claims court. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To whom this XXXX concern, This is my second complaint. The company Westlake financial portfolio management did respond to the initial complaint. The resolution as of XX/XX/23 was to have my vehicle returned but they had already auctioned my vehicle. Then they changed the contract terms. I did not agree to a 12 year term at {$250.00}. Ive never spoken to them on that matter. I am out of a car and money invested into it. They also filed repossession then changed the coding to charge off. And the debt they claim is owed wasnt sold off to a third party collection. Its charged off and still attached to them. I still dont have any updated info of next steps to closing this account. The company failed to follow through with remittance of property and the car is still registered under my name.

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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted an American Express gift card on XX/XX/2023. I retained the receipt and the gift card was purchased on XX/XX/2023. 

The gift card was loaded with {$200.00}. I have since tried to use the card from XXXX online retailers : XXXX and XXXX. The total of my cart from XXXX was {$100.00} and upon putting the order through I received an error message that said XXXX not honour '. I then tried to use the gift card at XXXX on XX/XX/XXXX for a cart with a total of $ XXXX the order was placed but I never received confirmation until I checked back the morning of XX/XX/XXXX to an error message saying 'Revise payment method ' as the prepaid gift card would not work. 

I additionally tried to add the card to XXXX to perform a transaction. The card added successfully but once I attempted to perform a payment using the card I received another error message regarding the gift card. 

I have also attempted to use the card in person at XXXX. The order total was under {$5.00} and the card still declined. 

When I called AmEx their customer support kept insisting that the authorization charge was the issue but the insinuation that the XXXX retailers, XXXX of which being some of the largest in the world, and XXXX, all use at least a {$200.00} authorization charge is comical. They would offer no other explanation other than the authorization charge and that I might have put in the wrong CVV number before they hung up. After searching the internet this seems to be a common problem recently with AmEx, insufficient products with terrible customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone had used my information to apply for a JPMorgan chase credit card on XXXX XXXX.A hard enquiry was made on my accounts.i want it removed.i reported to transunion and I put freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This bureau continues to report addresses that are not mine and uses these addresses to verify accounts that are not mine when I dispute the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The servicing of my loan was transferred from NewRez to Shellpoint. We have been unsuccessful in many attempts to get information about sending our mortgage payments to Shellpoint. Shellpoint 's website says we should use our NewRez log-in and password to sign-in, but our log-in and password do not work on the Shellpoint website. I then tried to create a new account on Shellpoint. Shellpoint rejected the new account with a message saying I already have an account. For XXXX days we have been calling Shellpoint, but the calls do not connect. We have never missed a mortgage payment but are worried we might if we can not set up payments to Shellpoint. Thank you for your help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies continue to show late payments for a vehicle loan that was paid off completely before the final payment terms, YEARS BEFORE.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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

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 2023-08-22
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX and 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 2023-03-27
Company: EQUIFAX, INC.
State: MI
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

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 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
When the debt collector buys your debt from the original party you owe, there is NO signed contract between you and the new debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been harassing me for 3 years and refusing to remove a collection item that does not belong to me. I have requested the company send me a signed contract with my wet signature on it, copy of photo ID proving the debt belongs to me, and proof of debt ownership. They have a lot violated my rights in which I communicated with them via mail and have received no response. I will pursue this matter to the furthest extent of the law due to the financial and emotional distress it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXXXXXX, 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with explanation