BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: DE
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/2023, I ordered a portable air conditioner from XXXX for {$470.00}. It was marked delivered at around XXXX on XX/XX/2023, but the picture attached to the XXXX  tracking number provided was not at my house. I have cameras and no delivery driver ( or anyone for that matter ) came onto my property. I searched around my house and immediate neighbors houses just to be sure, with no luck. After reaching out to the Merchant ( XXXX ) they informed me since XXXX provided a proof of delivery ( even with it being at the incorrect house ) they would not be able to help me with a refund and I should dispute this charge with my credit card company, American Express. I put in the dispute ( Ref. NoXXXX  ) the next day, providing a detailed written explanation as to why this charge was being disputed, along with photos of my house both in person and on XXXX XXXX to corroborate the fact that it was NOT delivered to my house, the house in the photo XXXX  provided does NOT match. I expected a prompt and easy resolution, what I have recieved couldn't be further from that. The dispute has been continuously closed in XXXX favor over and over, NONE of the agents will look at the proof I have provided to them. They are taking the " proof of delivery '' from XXXX, provided by XXXX, and claiming that since XXXX says the item is delivered I am not entitled to a refund. This is not what the dispute process is for/about. I have already reached out to the merchant myself, and was unable to reach a resolution. The product was never recieved, THUS the dispute. It is supposed to be their job to investigate this incident, and instead of doing any investigation of the proof ALREADY PROVIDED they just keep continuing to reach out to XXXX and ask them if I deserve a refund. This is absolutely frivolous. Of course, the merchant is not going to say I should be refunded when I have already reached out and asked for a refund that they denied. The whole point is for an investigation to take place, to look at the evidence available. I have provided evidence while XXXX has nothing but a page saying " yes it was delivered to this address '' I am absolutely shocked at this process and the outcome. I will continue to dispute the charge with Amex as long as I have to, I will NOT be paying almost XXXX dollars for an item I never recieved. 

I will include the pictures mentioned previously ( of my house and the XXXX  delivery photo to the INCORRECT house ) with this complaint. These photos have already been submitted to Amex and they do not review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained an auto loan through a dealership with Fifth Third Bank ; however, every month when I try to make a payment, they are unable to find my account and my internet login credentials are cancelled. Now I am unable to obtain a payoff. I'm on the telephone with the bank right now and they refuse to give me a 10-day payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXX OF XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( Experian, XXXX, and XXXX ) even though they were defaulted over XXXX  years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all three agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
My Cross-country Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with Experian & XXXX. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, Experian determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with Experian, providing once again the proof of payment. 


XXXX has not updated m report after closing the investigation.

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 2021-07-09
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I've been a loyal customer of XXXX for over a decade. I have never been late in paying my account and am always current. I am still a XXXX  customer just to state the facts. XXXX opened an unknown account and there is a small balance of {$150.00} that is opened and has gone to collections due to their error. This small error has affected my credit tremendously and has left a negative mark on my credit report. Please remove this error and fraud account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: WELLS FARGO & COMPANY
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX of XXXX, I have a retail loan through Wells Fargo for a hot water heater through XXXX XXXX. The deal is 61 months no interest with a minimum payment. Upon starting the process in XXXX, the monthly amount was {$85.00}. There were significant issues last month with an erroneous payment and since then they have done nothing right. This month, I go to pay my loan and the minimum payment is now {$120.00} with no reason given and no warning and no documentation as to why the change. I've always paid more than the minimum for this loan and I am ahead on payments. There is no reason for this. They have breached the original agreement on this loan. I asked that they fix it and they never got back to 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 monetary relief
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: FL
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:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
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:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number XXXX - Experian reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the XXXX  account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. Experian, XXXX, and XXXX has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under three different types of account names.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Personal information is incorrect and closed accounts showing as opened and theres a lot of fraudulent accounts opened by identy theft but all the companies keep saying everything is accurate when its not this isnt fair to me and my credit my information was jeopardized and now my credit is ruined and I have to pay for everything thats not right

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as Bank of America. The payments were made 3 times and the total amount was brought to " Paid off ''. I even called the financial institution to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of a week and half the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. Therefore, I am under a lot of stress and in financial hardship without any fault of mine.

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 2023-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the first week of XX/XX/2023, I called SPS and asked for my Re-Occuring ( ACH ) payments scheduled on the XXXX of every month to be removed as I will make the payment online myself. So, I made my payment online on XX/XX/XXXX or so. The next thing I know is SPS also deducted my monthly mortgage payment from my bank account, so I was charged twice for the same month. I had no choice but to call my bank to reverse the payment. Then, SPS considered this as an NSF on my payment history for the month of XX/XX/XXXX XXXX  ( this is not fair ). 

Ironically, the same exact thing happened again in XX/XX/ ( my bank account was debited twice for the same payment. Although, I did call during the first week of XX/XX/ and advised SPS to please cancel my SUTO pay. 
I requested an investigation by their Customer Advocate Team and the results were not acceptable. Does SPS claim that they have no record of me asking for the Autopay to be canceled? really? why would I make a payment knowing that I have Autopay scheduled?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Genesis FS Card Services, Inc.
State: GA
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 reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Nelnet, Inc.
State: FL
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 disputed the payment status of my loans through Nelnet because they show 90 days late in XX/XX/2022 and 120 days late in XX/XX/2022 but my loans were in deferment effective XX/XX/2022. After my dispute these loans are still showing with late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. XXXX, XXXX and XXXX are not affiliated. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation