BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
I have an American Express card that is shared with my partner, XXXX. XXXX has used this card for XXXX purchases in the past. 

Over the last several months, we have noticed charges for " XXXX XXXX Downloads ''. The amounts for these charges have varied over the past year when they happen. The bulk of them have been accompanied with a reverse charge at a later date, but not universally until the last several months. American Express links in their online statement to XXXX, but with insufficient detail to reach the transaction in question. 

On the XXXX side of the equation, XXXX disclaims any knowledge about these charges and is unable to locate anything about them in their system. 

XXXX 's card number has been compromised at least once in the last year requiring a new card to be issued. American express did not require any repayment of the suspicious charges. 

I am concerned that these unexpected charges that can not be confirmed by XXXX are actually a third party spoofing XXXX rather than XXXX itself. In an attempt to get further information after no resolution over chat, I submitted a charge reversal for XXXX of these charges ( charge transaction date XX/XX/2023 ). American Express responded on XX/XX/XXXX ( ref # XXXX ) that they would begin investigating the issue. 

American Express responded on XX/XX/XXXX ( same ref # ) that they've closed the dispute. " We gthered the attached documentation we needed to explained this charge, and we've determined you're responsible for the amount in question ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: NCD Financial, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been with NCD Financial since XXXX of XXXX and have notice that there is a huge issue with the Update Your Payment Option. Many of times I have submitted my new Payment Option to just come back to the site and realize it still hasn't update at all. This has happen again but only this time impacting my Credit Score causing my Credit Score to drop over XXXX Points. I just check the site again as im typing this and again. The payment option still not corrected. This has greatly impacted my immediate life being that im in the process of purchasing a home and at the moment hindering me. Also according to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any of such yet a negative report were furnished on my report. Now under 15 usc 1981n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. All im asking is the payment option update process be corrected and this one time late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NV
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TN
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:
I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX Equifax Mortgage Solutions : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Chase, stating there was a lapse of home coverage insurance. 
I immediately got XXXX to issue me a policy and contact their insurance department with proof of insurance and the representative from Chase says that I had 30 days to rectify the problem, which I did immediately, I have no idea what happened from prior insurance. but apparently they canceled insurance or they were not going to renew it, I did not receive no letter or communication from Chase stating to the fact there was no insurance at my house, I only receive one letter saying that I had 30 days to rectify this problem which I immediately did, two weeks from that I received another letter from Chase stating they were going to charge me {$240.00} for not having insurance from XX/XX/2021 to XX/XX/2021. this is so wrong in so many ways. they're looking for ways to nickel and dime you for-profits. I hope someone can learn from my experience from Chase and dome back with them I'm going to try to refinance and go to a different bank preferably a local bank, with the more personal and understanding policies towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Main complaint : Monthly service fee of {$29.00}. 
What happened : 1. I opened a business checking account around XX/XX/XXXX and initiated a bank transfer or XXXX immediately, which the money deposited around XX/XX/XXXX. A few days later i received my debit card, i tried to use debit card and the card is not working. 
2. After several calls with the customer service rep of trying to resolve the debit card issue, I was told that my account is dormant and they need to remove the dormancy status. The rep left a voice mail from the number ( see attached ). ( Later this turns out this is the rep 's mistake ) 3. After a few days - the card is still not working. I called again. and this time i was told, my business debt card was INCORRECTLY attached to my ( previous ) existing personal checking. In the personal checking account due to no transactions and it's marked as dormant. Because of this mismatch- my business debit card was not able to use. They eventually get it fixed. 

Fees : 1. On XX/XX/XXXX, i see a few of {$29.00} getting charged to my account. The account has 2 ways to waive fees : I called the customer service and i was told that because i am not able to meeting fee requirement. 
2. On the website it says 2 ways the fees can be waived : {$1500.00} or more minimum daily balance in this account, or {$5000.00} average daily balance in this account 3. I talked with the customer service rep that for two reasons that i think I should NOT charged the fee Reason A : The debit card was not able to use, thus, the bank failed to fulfill the service obligation. 
Reason B : I immediately deposited XXXX into the account after account opening ( to meet the requirement ). The customer service says because the money takes a few days to transfer - during this window the account has a lower than threshold balance thus I'm being charged. I argue that this is a fatal flaw- for every customer who opened their account online. As i do not think at account opening there's a way for me to deposit XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have enrolled in the promotion when opening a new checking and saving account with Citibank in late XXXX, and have met all requirements set for the bonus of $ 400+ {$100.00} on XX/XX/2019. Then I have waited the full 90 days till XX/XX/2019 and did not receive the bonus. I made an inquiry and revived a confirmation letter of eligibility which I have attached here. Now I am still waiting.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-03-23
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2023, I received a letter from Audit & Adjustment Company , Inc. stating that I owed two medical bills to XXXX XXXX. The debts was sent to collections because my insurance had not been properly recorded at the time of billing. I contacted the debt collector and informed them that I would be in touch with XXXX with my updated insurance information. My insurance benefits paid XXXX on XX/XX/2023. I then received a call on XX/XX/2023 from someone claiming to be with the Audit & Adjustment Company , Inc. I informed them that my insurance had paid on the bills, but that I would need to call later to discuss details. I made an effort to call Audit & Adjustment Company , Inc. back on XX/XX/2023, at XXXX PST. I spoke with someone named " XXXX. '' XXXX falsely claimed that she worked at XXXX, misleading me as to who I was speaking with. She falsely claimed that XXXX did not have any record of my insurance benefits paying the bills. After insisting that she work for XXXX, XXXX insisted that she needed me to specify my insurance benefit payments in order to " credit '' my XXXX account. I asked XXXX why, if she worked for XXXX, she did not have access to my insurance payment history as outlined in my explanation of benefits. XXXX responded by informing me that I was required to give her that information myself in order to credit the payment. I became wary, feeling misled and deceived. XXXX told me that she would " note my refusal '' in my file, making me feel uneasy and like I'd done something wrong. I promptly called XXXX and they confirmed that they did receive my insurance 's payments for both bills, and that XXXX does not in fact work for XXXX. XXXX gave me a reference number regarding their attempt to relay the updated insurance information to Audit & Adjustment Company , Inc., so I called Audit & Adjustment Company , Inc. back with that information. I spoke with someone and they confirmed that XXXX did not work at XXXX, and that they would take steps to square away my account. 

Claims : Audit and Adjustment Company , Inc. 's employee XXXX engaged in false, deceptive, and misleading representations and engaged in false, deceptive, and misleading collection means when she : ( 1 ) claimed she worked at XXXX and used XXXX 's name to identify herself rather than Audit & Adjustment Company ; ( 2 ) told me XXXX had no record of receiving payment from my insurance ; ( 3 ) claimed that I was required to provide her my explanation of benefits and insurance payment information in order for the payment to credit my account with XXXX  ; ( 4 ) told me that declining to provide certain personal information, including my personal insurance information, resulted in a " refusal '' to be recorded in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Spring Oaks Capital, LLC
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: Account status incorrect

Complaint:
There is an account being reported on my account from Spring Oaks. I called the phone # listed and they told me they do not have the account and referred me to another company and phone #. When I call that number it is messaging service that no one answers. I called back to the original number and was provided another phone number to another company who states that they do not have the account. 
XXXX XXXX XXXX I have been trying to get information about this account to resolve it for over two months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me for a credit card debt which is not mine. I asked then to verify the debt, but they have not provided me with enough information and simply claim the " debt is owed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a chapter XXXX bankruptcy in 2012. To reestablish credit I opened 2 Capital One prepaid cards and deposited {$1000.00} in each. I recently contacted Capital One to close the 2 prepaid cards and have my funds reimbursed. There is no balance on the cards and they are seldom used. I was told by the Capital One rep that the cards I have are not and never were prepaid cards. They said that the cards I have are XXXX cards and those are regular cards and that the prepaid cards are the XXXX card and XXXX  cards. I told them that the original cards were XXXX and XXXX but they disagreed. I explained that I was holding those original cards in my hand and was told that they have no record of any prepaid cards on file. Not sure what to do at this point. The cards don't have annual fees so it doesn't hurt to keep them open which is strange because the regular credits cards do have an annual fee. I was told that I can close the accounts but there is not funds to reimburse because they are not cash secured credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief