BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: AMERICAN EXPRESS COMPANY
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:
An airline ticket was purchased using my American Express Delta Skymiles card ( confirmation code XXXX ), also the insurance box was checked to further protect if I had to cancel the flight. ( Scheduled for XX/XX/XXXX ) I canceled the airline ticket because I did not have to physically appear in court. Delta Airlines assured a refund to my credit card would happen. The credit for the {$530.00} airline ticket did not happen and I began disputing the charge when I noticed that it had not been removed from my credit card on or about XX/XX/XXXX. The charge was removed from my account and within a few weeks or less, the charge appeared again on my account. Called again to American Express to form another dispute, ( XXXX ) advised that it would be taken care of and not to worry. ( Continual process for over 4 times ) Tried to use my other American Express Card Hilton Honors, while on vacation in XXXX of XXXX for my Hilton honor points, and was told card declined, and account closed. Called American Express and was told that I disputed the charge " to late '' and that I would have had to dispute the account within a certain " timeframe ''. Advised the representative that I have continually been disputing this charge and was told by the representative that the charge was valid. I advised that I was told that there would be a credit issued because I canceled the flight and that credit has never happened. Contacted Delta airlines, and they stated they could not locate the flight information ( Confirmation XXXX ) despite the fact that I provided the confirmation number. Then was told if I had insurance, I would have received something for " XXXX ''. 

I was charged for a flight that I canceled, never issued a credit, or even so much as a voucher to use at a later date. Now, the American Express Hilton Honors credit card that had a {$0.00} balance is closed. The American Express Delta Skymiles Credit card, as of XX/XX/XXXX has a balance of {$850.00} from all of the late fees and interest fees American Express keeps charging me for a charge that was never refunded despite the continual disputes. Now, I keep getting text messages, stating " Your AMEX payment is due, '' " Keep your AMEX account from going further past due and avoid further negative impact to credit score '' " Pay {$40.00} to keep your account from becoming further delinquent. '' Now, my credit report is damaged due to American Express actions, and I have contacted and formed complaints with the credit reporting agencies. Now, I'm beginning my complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an 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 2023-03-24
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:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX account, XXXX is reporting my 30 days late on XX/XX/XXXX while Experian and XXXX are not. Experian is reporting me 30 days late on XX/XX/XXXX while XXXX and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.

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 2021-07-30
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy Federal Credit Union is supposed to protect the monies of veterans and their families however they have been holding over {$100.00} of my money for over a month! When calling I have been treated rudely, unprofessionally, hung up on and interrogated and accused like i was a criminal. I did receive a voicemail from a lady " XXXX '' ( ph # XXXX XXXX ) and although my situation is URGENT, she stated she would send me a letter. How long does that take? As a Veteran currently suffering fron XXXX, XXXX XXXX, and homelessness i would expect Navy Federal Credit Union to be more considerate and compassionate plus respectful!. I need Help! i need my money! Talking the Navy Federal Phone reps have set me back emotionally, psychologically, and i had to go to the hospital for 3 days to try to recover from the experience, Is this how you do Veterans Navy Federal Credit Union? Unacceptable!. PLEASE ... release my money today so i can continue to focus on my life ... I need help! 

XXXX XXXX XXXX disputed fee XXXX double charge XXXX XXXX never got food disputed fee XXXX XXXX XXXX unauthorized charge dispited fee XXXX XXXX XXXX fraudulent charge XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We hired home depot to renovate our kitchen in XX/XX/XXXX. We used their offered 24 month 0 % financing promotion and put the full amount on the Home Depot credit card. For the first 6 months, no interest was charged. However, after 6 months we started getting interest charged. Apparently a 6 month promotion was attached to the account and not the 24 month promotion as described in the signed contract. Because we had it on auto pay - {$1000.00} per month, it took me a while to realize this - roughly XXXX months. In the last 18 months I have called at least 6 times. On 2 occasions, I eventually spoke to a " credit supervisor '' who assured me all the finance charges would be removed and the incorrect 6 month promotion would be modified and corrected to the correct and agreed upon 24 month 0 % promotion. I have a recorded phone conversation of the 2nd conversation from XX/XX/XXXX where the representative assures me the promotion will be correct/backdated to the original date and all the accrued financial charges will be removed. When there were not changes made, I called again on XX/XX/XXXX and was assured it would be taken care of within XXXX days. As of XX/XX/XXXX, we had paid the full amount of the kitchen renovation and other purchases without paying any of the interest charges- so by my math the balance on the card should be {$0.00}. I called again on XX/XX/XXXX after again no changes were made to the account and spoke to a supervisor who told me the promotion had expired so the finance changes could NOT be removed. I went back and forth but no progress even with the complete lack of logic. I told her I have a signed contract the specifies a 24 month 0 % finance promotional period. She told me the request was being denied from higher in the company and gave me a po box to write a letter to explaining the full situation - to " The Executive Response Unit '' XXXX XXXX XXXX XXXX XXXX 
I have also use the messaging system on the Home Depot web site on 3 occasions where I explain everything that has happened and included a link to my XXXX XXXX for the signed contract dated XX/XX/XXXX. One response was completely off topic and the most recent response was that the promotion had expired so we owe all the interest from the 18 months - at this point that is about {$9000.00}. So complete disregard for the signed contract, in fact not even acknowledging the existence of the contract.

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 2023-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my consumer report that are not authorized. I asked the credit company to investigate and delete and they have not respond or left information 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

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 2021-07-30
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we entered a forbearance agreement with Homebridge Financial as our loan servicer due to financial stresses related to the COVID pandemic regulations. The forbearance began on our XX/XX/XXXX payment due and ended after our XX/XX/XXXX payment. Communication from Homebridge to repay the balance due was not clear and one sales representative in particular that called insisted that the only option was for a loan modification. We did not want any adverse effect on our credit and had the funds to repay in full the balance due from the forbearance period payments and escrow. The sales representative was insistent the modification was better even after we insisted we wanted to pay in full. We called later and spoke to Customer service and were give a dollar amount remaining due on XX/XX/XXXX after we had already made a payment for the XX/XX/XXXX payment due. We paid the amount we were given. The following month we made a regular payment for the XX/XX/XXXX payment due on that day but were unable to set up reoccurring payments because records still showed we were past due. We waited for payments to update on the system but called 2 weeks later and were told the amounts were still off and we were still short by 2 months payments, we disagreed and asked them to submit a ticket to investigate but made a second payment in the month of XXXX. Homebridge did not resolve the misallocation of funds and applied part of the repayment to the escrow account exceeding the amount needed to pay more than the annual amount. We made another 2 payments in the month of XXXX to resolve but with each payment Homebridge records still do not reflect on time or current. according to our records and all payments made we have now overpaid by 2 months worth of payments and continue to pay monthly on time but Homebridge shows us as being 30 days past due. Responses to written requests are automated or scripted and they never directly address any questions or resolutions to the issue. It is now the end of XXXX and we still have not received a written resolution or correction to our account to show on time. Luckily this has not been reported to credit but that is also our concern as this would be very damaging to our credit history even though the paper trail and payment records show full and current. - VERY dissatisfied customers

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been getting calls every day or twice a day. Once I was told that Portfolio Recovery was going to sue me for fraud over a debt and i could go to jail on XXXX, XXXX. On XX/XX/XXXX I was served papers for debt claim citation the. On the paper i was served they said i owe {$1100.00} but on XXXX it says {$1100.00} I feel they broke law Texas Finance Code Chapter 392 Subchapter D & Section 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code & Section 1692d ( 5 ) in Title 15 of the U.S. Code & Section 392.302 in the Texas Finance Code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/XXXX XX/XX/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 2021-07-30
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen in XXXX on XXXX XXXX, XXXX XXXX, XXXX. I stopped for XXXX XXXX vendor selling chai. Within a half an hour I discovered my wallet missing and found many texts indicating many attempts at charging were made on several credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX and my XXXX card. It appears that every card in my wallet had an attempted charge. Several attempts were for a purchase at XXXX XXXX XXXX for {$1900.00}. Another charge at XXXX 's was attempted on my XXXX XXXX debit card.

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 2021-07-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: SC
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ref. : Company : PAYPAL CREDIT/SYNCB ( Synchrony Bank ) Address : XXXX XXXX XXXX, XXXX, PA XXXX Account holder name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Payment amount : {$2500.00} Dear CFPB Repr. 
On XX/XX/ I sent XXXX XXXX official bank check with USPS registered mail to the company with payment coupon. Please see attached, payment coupon, USPS receipt and copy of the check attached. The Check was received by company on XXXX XXXX XXXX please see USPS tracking screenshot attached. On XX/XX/ I submitted lost check dispute with the company and spoke with representatives several time about lost check. Today I received email from my bank, XXXX XXXX that check was returned by company to them because Synchrony bank hey were unable to locate the account which is very strange after all. My bank will be reissuing check and sending it but meanwhile I strongly believe Synchrony bank should waive all the interest charges and fees associated with none payment because it was clearly their fault and they did admit on the phone when I spoke with managers on XX/XX/ Manager name XXXX XXXX XXXX XXXX that it was computer glitch. 
Please let me know if you need any additional information. 
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 explanation
Consumer complaint received 2023-12-06
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: Information belongs to someone else

Complaint:
My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-04-01
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:
Disputed on Experiansubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and Experian will not removed After submitting proof of paymentinaccurate information remains on credit reports

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 2023-07-04
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
No response back from company.

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