BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
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: Overcharged for something you did purchase with the card

Complaint:
To whom it may concern, I am writing to ask for your help. 
Back on XX/XX/2023, I purchased tickets from an online service - XXXX When I agreed to the purchase, I agreed to pay a little less than {$3800.00} ( US dollars ). They were 6 tickets from XXXX XXXX to XXXX, Florida. 
A couple of hours later, I got the confirmation email, and to my surprise- I was charged {$7500.00} ( US dollars ). Later I got an email from XXXX saying that I was being refunded {$290.00}. 
Immediately, I called XXXX to express my concern Their reply was promptly There is nothing we can do about it, you did not purchase insurance for your tickets The price is what you received on your confirmation email. 

Because I did not have any help from XXXX I called American Express to STOP PAYMENT and claim for a fraudulent use of my credit card. The case # XXXX opened. 
The person I spoke to at American Express told me There is nothing to worry about, This happens all the time, we will cancel and stop your payment. I was advised to disregard my tickets ( and not use them ). 

I have had my American Express for over 50 years, I always felt they had my back I never had an issue with a payment or any incidents of fraudulent activity. 
I always fully trusted, what ever I was told by their associates. 
I was told to give 2 weeks for things to process So I called back when I was told The payment had CLEARED and they told me that unfortunately there was nothing they could do. Basically, this new customer relations assistant ( at American Express ) told me that the person who advised me in my first call gave me the wrong information. I ended up purchasing NEW tickets for my vacation! 

I have been on many calls with American Express since this happened, I have asked them to check on the recorded conversations that I have had and every time I hear the same story. 
You are absolutely right let me put in a new claim. Give us a couple of weeks and it will be resolved The 10-14 days go by and I get the same email There is nothing we can do. 

What I do not understand is that I called to ask for an IMMEDIATE STOP PAYMENT ( less than 24 hours after the incident ) because I realized that I had been a victim of fraudulent activity. 
And now no one seems to be responsible, when I was advised by someone in their own team to take the actions I took. 
Otherwise, I wouldve at least used the tickets istead of purchasing new ones!! 

I hope this email explains my situation well enough, but I am available any time for further clarification. 
Looking forward to hearing back from you. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: LendingPoint Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Sent payoff in to payoff my personal loan. The payoff was received on XX/XX/21 but they waited to post the payoff after they received my ACH debit for the XXXX payment then paid the loan off instead of sending my monthly payment back. Lending point kept most of my money between the monthly payment and the payoff. I have all the documents to prove something isn't right with this loan transaction. Loan number XXXX. I would like my rightful amount returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Sarma
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SARMA COLLECTION INC, debt collection has reported me for the debt that is not mine. 
The debt is from XXXX XXXX XXXX for amount {$550.00}. 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 So the debt is for the XXXX XXXX XXXX 
I should emphasize that I was approved for XXXX XXXXXXXX for period XXXX XXXX XXXX XXXX XXXX. So basically, every bill for this period is covered under XXXX XXXX. The office within 90 days, should submitted a claim to the XXXX XXXX. They didnt, so they lost the deadline. IT is not my fault for losing the deadline. I let them know so many times and for the last time I called them again on Friday, XX/XX/XXXX th XXXX time XXXX XXXX  to tell them again to submit the claim on time, but they didnt. 

XXXX. SARMA COLLECTION INC, hasnt reach out to me. I have sent them a letter explaining them everything. 
XXXX. SARMA COLLECTION. INC has reported me to the credit company illegally and has impact my credit score. They sent me a validation debt on XXXX XXXX XXXX but in meantime XXXX day before they have reported me to the credit bureau on XXXX XXXX XXXX They can not report a debt to a credit reporting company before sending the validation notice and before waiting for a reasonable amount of time. So they send this validation document on XX/XX/XXXX and you have reported to credit reporting company on XX/XX/XXXX. This is completely illegal. 
XXXX. SARMA COLLECTION. INC illegally has discriminated me and is not replying me for this claim. 
XXXX. SARMA COLLECTION. INC illegally has hurt my credit scores after reporting it to the credit bureau illegally and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please delete.

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 2023-08-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Nelnet opened XXXX loans on my credit report. They notated that all of these loans which adds up to over {$23000.00} was each a separate loan. Nelnet also put my date of last payment as XXXX. Then charged over that and made it a negative balance. I do not owe any student loans. I did not receive any funds from these loans. Nelnet bought these loans from Great Lakes thinking I would pay it. Again I didnt receive any funds these loans were reported as fraud. I did not open XXXX loans. I did not open any loans. XXXX XXXX charged loans XXXX or 4 times and never sent me the funds they distributed these funds to someone elses bank account. Again I did not receive any funds from these loans. I did not sign any documents for these loans, and these funds were obtained fraudulently I do not owe Nelnet and now they have damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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 XXXX XXXX XXXX PULLED MY CREDIT AND NOTICED THAT THERE IS INFORMATION ON MY CREDIT REPORT THAT I DO NOT VALIDATE. FOR ONE I AM THE ORIGINAL CREDITOR AND I DID NOT VALIDATE THE ALLEGED DEBT. THE ALLEGED DEBT IS IDENTITY THEFT. I HAVE ASKED FOR THE ORIGINAL SIGN DOCUMENTS AND BEING I DID NOT GET THEM I DO NOT VALIDATE THE ALLEGED DEBT. 

UNDER the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I'm DEMANDING THIS ALLEGED DEBT BE REMOVE FROM MY CREDIT REPORT.

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 2023-08-15
Company: Lendmark Financial Services
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call XXXX at XXXX at my place of work. They have been instructed not to call me at work. They told me they don't call any of my references or business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Exeter Finance Corp.
State: FL
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:
In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: WI
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:
There are unauthorized Inquiries on my Equifax Credit Report that I did not due or Authorize. By law due FDCPA the Credit Bureau needs to Delete them. I've contacted Equifax spoke to several Supervisors and they said it would be deleted within 72 hours. Please provide me with Physical Documentation that shows I authorized these or I will be filing a Civil Lawsuit against Equifax & the CEO. I am a Victim of Identity Theft & the Equifax Breach. 

Please Delete the Following Credit Inquiries : XXXX  XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, hope all is well. 

Please review my complaints. 
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 I told the Transunion to reinvestigate these accounts : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity, high balances, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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. Im looking to buy a home in the next few months, and this is really putting a halt to my progress. Please help. Thanks, 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 2023-01-06
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:
To Whom It May Concern : This letter is in response to your recent claim that XXXX verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under and requesting a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is about Equifax Credit Bureau and XXXX XXXX XXXX. I have written the California State Attorney General regarding Equifax reporting in XX/XX/XXXX that XXXX XXXX XXXX has stated the Auto Loan made in XX/XX/XXXX was re-financed from the original payment of {$400.00} to {$300.00} per month as of XX/XX/XXXX. The California State Attorney General has open an investigation involving XXXX XXXX XXXX reporting Fraudulent Credit information I have asked the California State Attorney General to report any findings to the Georgia State Attorney General about what Equifax Credit Bureau has said their information has come from XXXX XXXX XXXX. 
XXXX XXXX XXXX did sent me a Complete Payment History Report and the original amount of {$400.00} has been the payment throughout the entire Loan since XX/XX/XXXX on the report. Nowhere on the report shows the monthly payment was ever changed from {$400.00} to {$300.00} per month.. Where did Equifax get their information from? XXXX has also stated their agency has never asked Equifax, XXXX, nor XXXX to collect any monies regarding the account. XXXX also stated to the California Attorney General that XXXX XXXX has been put in place on the Auto Loan Account by their office,, besides the XXXX ( XXXX ) years Stature of Limitation on the account has expired. Equifax stated on the last Credit Report I received from them that XXXX has re-financed the loan and the Monthly payments were lowered. XXXX XXXX XXXX said that information is incorrect and it seems as though XXXX XXXX XXXX is correct because the Payment History report of the Auto Loan amount had not changed. XXXX XXXX and I should have gotten a copy of the Re-finance Loan and we should have agreed or disagreed with the Terms and the Conditions, Maybe XXXX XXXX would have still been the owner of the car. The payments would have been affordable The California XXXX Attorney General XXXX XXXX XXXX XXXX Unit will be answering me regarding the decision about Equifax XXXX XXXX XXXX soon as XXXX XXXX to his office. When I noticed Equifax had placed XXXX XXXX XXXX on my Credit file on XX/XX/XXXX, I Certified a letter to the California Attorney General for XXXX It seems as though XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the same Fraudulent information regarding a Re-Financing of a XXXX Auto Loan without any paperwork to show a re-finance was done .If Equifax wants to contact the California State Attorney General, they may do so @ XXXX XXXX California Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After speaking with my previous insurance provider I was informed that the amount that quality asset recovery is attempting to collect is inaccurate. I am now once again requesting that this collection agency display the original bill in document form. 

Account # XXXX Inaccurate amount {$380.00}

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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an online application to Chase ( subsidiary of JP Morgan Chase & Co ) for a Sapphire Preferred Credit Card on XX/XX/2023. I have a security freeze on my XXXX credit report due to identity theft & the discrepancies XXXX has not taken off. I do not wish to lift the security freeze. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants exercising their right in good faith under the Consumer Protection Act. 

I received a letter from Chase XX/XX/2023. I spoke to a Chase Representative on XX/XX/2023 to let them know I would be sending a letter of this similarity so they would not close my application ( or at least extend the time allotted for me to reply via postal mail the same way they replied to my application ) but they did not allot enough time to do so as there letter states I must lift the security freeze within 14 days of their dated letter ( XX/XX/2023 ). It is as if they are trying to coerce me into lifting my freeze or else. 

Credit means the *RIGHT* granted to an applicant. ( 12 CFR 1002.2 ) I do not wish to be discriminated against due to a credit report that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For years I have been unable to get online delivery of my credit reports from Equifax. I am always greeted by the message " Online Delivery Unavailable '' for my credit report and instructions for how to mail in a request and what documents had to be attached to prove my identity. 

I have contacted Equifax numerous times, opened several disputes, and discovered that they have more than one file on me, under different names. I never seem to know which one they eventually mail me, sometimes I got both. I spent over two hours on the phone with them on XX/XX/XXXX, was told the problem was fixed, but it never has been. In fact there is a new " Previous Address '' in the file which I'd never heard of, much less lived there. There also appeared another address which was specifically discussed on that phone call and which I was told would be removed. It was not. 

The last credit report sent to me, dated XX/XX/XXXX was address to one name while the " name on file '' on the report was another. 

I hope something will be done to fix this as it is apparent Equifax doesn't care and could be reporting the incorrect file to inquirers. Their file ( s ) are so effed up now I'd like to sue them and get removed from their system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CL Holdings LLC
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:
My rights have being violated.

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 1692 C States That without previous consent from the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer n connection with collection of any debt.

Also, this company is NOT licensed and registered to operate in my state.

Company response to consumer: Closed with non-monetary relief