BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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/19, I placed an order with Walmart.com for an item the store would fulfill but was out of stock. Although ordered a specific item in the amount {$62.00} they tried to force another item to substitute my item. On XX/XX/19, I refused the item and was asked if I wanted a refund? I though that was a XXXX question to asked especially since I ordered the out of stock item. I received a refund receipt but it was for the item they wanted to substitute my item. On XX/XX/19, I called Walmart Credit card services to report the issue while it was still pending after trying for 2 days to resolve it. I was told they could credit the item because the item wasn't refund in the store. I'm telling there wasn't an item because it was out of sock. I explained to them the store clerk used a dummy receipt so it would appear that they refund my credit card. I called Corporate office and spoke to XXXX rep she held the phone because she did  not know what to do. I asked for a supervisor ( XXXX ), he very rude, abrupt and unprofessional. He treatment like unwanted visitor and called a XXXX XXXX XXXX before hanging up on me. Then I called him back to see why he felt it was ok to use profanity and hang up on customer. But XXXX ( another supv ) came to phone and cold transfer me back to Walmart.com. 
Now I have {$62.00} charge on my Wamart Credit card for an item I did not get. No one with Walmart Credit Service will assist me with resolving the charge on my account. I have attached the dispute form completed for resolution.

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: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Chime Bank, I write to express my deep disappointment and frustration regarding the denial of my dispute claim. As a victim of fraud, it is my right to seek justice and reclaim the funds that were wrongfully taken from me. It is disheartening to see that XXXX XXXX, with whom I have submitted similar disputes, has promptly approved and resolved the matter. I lost my wallet early next month and got it back from the gas station. All my cards were compromised and my regions bank already have refunded my money from this fraudulent transaction. Only you guys are siding with the scammers, this is so ridiculous. 

I implore you to reconsider your decision and recognize the urgency of my situation. The money that was fraudulently taken from my account is not just a mere sum, but a significant part of my financial stability. It is my entitlement to have these funds returned to me immediately, as per the policies and regulations that govern such matters. 

I understand that investigations can be complex, but it is crucial to prioritize the well-being and trust of your customers. By denying my dispute claim, I feel as though my concerns and rights have been dismissed, and this further exacerbates the distress caused by the fraudulent activity. 

I kindly request that you review my case with utmost diligence and empathy, taking into consideration the evidence and documentation I have provided. I trust that you will rectify this situation promptly and ensure that justice is served. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX {$490.00} is the remaining balance has been reported late on my credit and i have never had a late payment

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 2023-06-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Affirm Holdings, Inc
State: MA
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:
AFFIRM account was charged for a XXXX XXXX XXXX inch from XXXX, but I did not order this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CFPB, I am writing in regards to XXXX and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. XXXX  is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX TransUinon is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.

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 2019-08-29
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX I received a collection letter stating that I owed money to US Bank, I did not because I had a current account open with US Bank. After the hassle with the Bank correcting the issue I closed my Bank account in XXXX with a XXXX balance. 11 years since this issue was resolved I received a collection letter XX/XX/XXXX stating I owe US Bank Money.  XXXX XXXX XXXX XXXX calls me 3 times a day after speaking with the agent telling him that I do not owe any money and this is the first timing hearing from them. He degraded me saying what kind of person are you that doesn't pay what they owe. I told him to send me a letter with the information of his claims, I did not agree to anything over the phone or in writing, stating I only had one account with the bank and closed it with a XXXX balance.

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 2023-11-23
Company: Southwest Credit Systems, L.P.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXX Southwest credit syte XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal RE : Adverse Action Dear XXXX I, the consumer and natural person was denied credit by Chase when I applied for a credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the ECOA and TILA which is codified in ( 15 U.S.C 1691c ) and is pursuant to civil liability under ( 15 U.S.C 1692k ).

You are subject to criminally liability for violating ( 15 USC 1691 ) as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of ( 15 U.S. Code 1642 ), ( 15 U.S.C 1681m ) and ( 12 CFR 1002 ) because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX. If XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX  criminally and civilly liable for all actual damages pursuant to ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ). I will also follow up with an invoice for said violations ( { XXXX } per violation ). Thank You, Last Name : First -Middle / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
To Whom It May Concern, Back In XX/XX/ 2019 I had a late fee from Discover Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called Discover again which they assured me it would be removed. From looking at my credit report it appears it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unknown transaction on my card on XX/XX/2023. This transaction occured at XXXX store location for {$230.00}. I was not physically in the XXXX on that date and I had my debit card with me. I brought proof of my travel documents to M & T bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX to bank representative. The bank credidted me the amount {$230.00} while they conducted their investigation. After XXXX  days I recived an official answer that my disputed transaction was denied despite proving to them that I was not in the country at the time of the transaction, I had my card physically with me in XXXX, and I never made any purchases at any XXXX location or online!

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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: PA
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 have tried several times to use this American Express prepaid card online as it is an egift card. Every time I attempt to use it, payment gets rejected. Yesterday, XX/XX/2023 I attempted to purchase from XXXX XXXX  through XXXX but it was rejected. I was charged a XXXX fee but the order would not go through. I also attempted to load {$10.00} to my XXXX app, but that also was declined. These companies say they accept American Express, so I don't understand why it keeps getting declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have asked my mortgage loan servicer to waive escrow. Servicer says " internal lender guidelines '' indicate escrow will not be waived due to loan interest rate reduction offered at origination. I have asked for original agreement stating a lower interest rate will be offered in exchange for escrow loan for the life of the loan. Servicer has been unable to provide anything in writing showing I agreed to this term or provide the " internal lender guidelines '' indicating this is a term of the loan. 

I have reviewed my original Closing Disclosure, note and mortgage and do not see anything indicating escrow is due and will not be waived for the life of the loan. In fact, I see clearly in the closing disclosure escrow can be cancelled on page 4 of 5 of the Closing Disclosure. 

This loan was originated in XXXX  and to date I do not meet any of XXXX XXXX XXXX  criteria to deny a request to waive escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed my credit card reward balance for a XXXX e-gift card within the Discover App. I was issued a gift card for {$100.00} value on XXXX. I did not use the card for a while and when I used it after 5-6 months I was told that the e-gift card was invalid on the XXXX website. After back and forth with both Discover Credit Card and XXXX, nobody is honoring the gift card. XXXX says this card is invalid and I should go back to the card issuer but Discover says that they can't issue a new gift card as it is system-generated and can not be invalid. FYI - both Discover and XXXX have confirmed that all gift cards have at least 2 years of validity. 

Credit card number - XXXX Gift card order number - XXXX Email reply from XXXX - We appreciate the screenshot from Discover however it appears that they issued an invalid gift card to you. Due to Discover who issued the invalid card, they will need to replace the card. If the card was purchased through XXXX and there was an issue with the gift card, the card would be replaced through XXXX. We do apologize for any inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: FISERV INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A week ago I made a purchase at XXXX XXXX  and shortly after was contacted and told that the online purchase would be cancelled due to the company not having drivers. The purchase was cancelled and upon cancellation I was told that the deposit will be available either the same day or the next business day. The next business day came and my money was not available so I called my bank Money Network ADP and they explained that my refund will pend for 7 business days or I could call XXXX  XXXX and have them write their company a letter head explaining that they refunded me my money. I called XXXX  XXXX and the XXXX agreed to write a letter, the XXXX was very baffled since the company issued the refund and never had this issue. I called my bank again and was told that they never received a letter head and that I will have to wait 7 business days which would be XX/XX/23 for my refund. Here we are on XX/XX/23 and Im being told that I have to wait once again. I went a week without money to commute and now Im behind on my kids daycare fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Home Depot purchase washer and dryer on XX/XX/XXXX NO interest for 12 months ending XX/XX/XXXX. Faithfully made monthly payments and remitted final payment of {$300.00} toward promo balance due of {$210.00}, remaining XXXX to second promo beginning XX/XX/XXXX for water heater purchase {$1500.00}. 

Eagerly awaited next bill to record this transaction paid in full and to my dismay was charged {$230.00} interest!! 

Immediately contacted Home DepoXXXX and was told that because of the way payment had been allocated there was no way to correct. Not understanding what had happened, I was very confused and upset. Asked to speak to supervisor 's boss who was not available and was given a message to call me. Never did hear back so attempted to resolve by calling on XX/XX/XXXX and was again told that this was not THEIR mistake and ; therefore, couldn't be fixed. 

I am a senior citizen on a fixed income yet offered to pay entire second promotional balance in full. I understand that is not satisfactory without paying adjusted interest? 

Today, I have submitted a payment for {$1400.00} less interest charges. 

Note after submitting this payment, I check payment activity and a screen popped up with " allocation '' information. It is extremely confusing and easily misunderstood. After reviewing, it would seem the account holder is directing Home Depot to make additional payments to other promo balances and why would that be necessary? I would appreciate your thoughts. I believe the rest of the consumer public needs to be made aware. ( Unfortunately, could not locate this again to attach for your own review ) Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation