BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: AMERICAN EXPRESS COMPANY
State: MI
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 am victim of a consumer fraud of over {$5000.00} on my American Express card made at a XXXX XXXX store in a city I had not been to and located Michigan. I have tried numerous times to dispute this with American Express. I contacted American Express with over 100 letters, telephone calls, or email or text responses pleading that I did not make this purchase. I pleaded with American Express and The credit reporting agencies XXXX XXXX XXXX and XXXX to please investigate accurately and not rely on the information American Express had provided to them. American Express failed to follow the basic investigative process of reviewing the receipt of the fraud which is not in any way associated to me. I pleaded with American Express for weeks before they would provide me with a copy of the actual store receipt from XXXX XXXX as they refused to provide it. They would tell me that it was internal only and could not be given to me. I pleaded and begged for proof that I authorized this purchase I pleaded and begged for a copy or proof of any recording that they have or transcripts that they have that had me authorize this purchase. American Express and the credit reporting agencies have refused to provide transparency in this nightmare that I have been living since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: LEXISNEXIS
State: MN
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:
CFPB I asked you to review lexisnexis documents that I received via US mail dated XX/XX/2021 from Lexisnexis, lexisnexis has acted willful and negligent and reckless and violations multiple FCRA laws regarding false credit reporting! Per the FCRA lexisnexis had 15 days to comply with the method of verification as you can see from their company letter head dated XX/XX/2021 you can see they gave a bogus explanation first of all more than 15 days past due is and will not be excepted because the law states in black in white when a consumer asked for the method of verification the credit bureaus have exactly 15 days of date received. And furthermore they did not include specific information that was requested on them. Lexisnexis needs to remove the public records from all credit reporting agencies. Please review CFPB previous documents dated XX/XX/2021 also review lexisnexis response dated XX/XX/2021. Pure violation. Also this is the first time that lexisnexis DIDNOT upload this copy via the CFPB I want to know what do they have to hide. There is clear evidence that they are violating the FCRA I suggest them to stop doing this because I have enough right now to take legal action and if its not removed I will do it plain and simple! Previous XXXX XXXX is showing inaccurate information how are you verifying inaccurate information? XXXX is a 3rd party data system that anyone can purchase to look up information. I have supplied you with proof that its reporting inaccurate. Which puts you in violation of the FCRA for false credit reporting.one more thing before I close Im not a XXXX person is this why you sent that letter dated XX/XX/XXXX. You through you could respond within 30 days but I got news for you the request under by FCRA 611 ( a ) ( 7 ). Is credit bureau must give you the method of verification information within 15 days of your request why on. Please do whats right and remove the public record. 30 days would have put you at or around XX/XX/XXXX to the XXXX is is why you sent this didnt you? 
Again FCRA 611 is 15 days! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXX Balance Owed : {$880.00}

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 non-monetary relief
Consumer complaint received 2023-01-06
Company: SYNCHRONY FINANCIAL
State: CT
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:
I obtained a 0 % card MySynchrony account XXXX months ago when I made a purchase through an affiliated vendor. When I received my first bill, I set up autopay to pay the minimum monthly payment each month. The next month, on the scheduled payment date ( XX/XX/XXXX  ), Synchrony debited my linked checking account for the full balance in my card, causing an overdraft on my account. I tried handling this issue online, but automated service options did not work. I called the customer service center during stated customer service hours ( XXXX XXXX XXXX on XXXX ) and was never put through to a representative after an hour of holding.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: IA
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: Was not notified of investigation status or results

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 again 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. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-11-23
Company: NAVY FEDERAL CREDIT UNION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I originally disputed this account on XX/XX/19. I Did not go on the cruise and the cruise company offered a cruise credit. I contacted the company I booked the cruise through and did not receive my credit and also disputed with NFCU. Navy fed denied my dispute I did not receive my money back or get a cruise credit in which the told me I would. I prefer to receive the money back in the same way I paid. How can they just RIP me off without rendering the service.such a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

1. XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXXXXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX Account Number : 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 2022-06-15
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was selling furniture on XXXX XXXX and was contacted by a scam XXXX account user XXXX XXXX to purchase my items I usually use XXXX through PNC ( more cautiously ) to accept payment and gave my email address to user who sent double the amount i was XXXX XXXX for and claimed that it came from my XXXX XXXX Account and since its going to a personal XXXX I had to pay extra to go through. 

The person said i needed to refund the difference ( {$200.00} ) and send it to a XXXX address for XXXX XXXX ( XXXX ) and then it happened again but this time I needed to refund a bigger difference ( {$300.00} ) to a different email for XXXX XXXX ( XXXX ) I also received fake emails from a fake XXXX account outlining the steps for the refund procedure. 

I have snapshot evidence of the entire messenger conversation, transactions and fake emails

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
I have been with Santander over 4 years and never made a late payment. I spoke with agent on XX/XX/XXXX and notified them that I had been laid off job and was wanting to make payment the following week on XX/XX/XXXX to prevent from being late and was told that it would be fine and not reported to credit bureaus. I made payment as promised four days early on XX/XX/XXXX but a delinquency of 30 days is showing with XXXX. Neither XXXX  nor XXXX show a delinquency or late payments on my credit report. I have asked Santander to correct issue because I am in needing to buy a house within next 6 months but have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX. According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In 2019, I provided to XXXX XXXX XXXX 's office proof of payment from Medicare and my supplemental insurance provider. His Office Manager stated they had made a billing error and would correct it. She also stated she would fix the debt collection letter. Four years later, I am finding this of my Credit Report. The {$46.00} is not owed to them by me and I took care of it with them at the time. I want this removed from my Credit Report as it is incorrect. 

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 2023-09-12
Company: U.S. BANCORP
State: DC
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:
Fidelity was undoubtedly negligent in handling the dispute against XXXX for the amount {$350.00}. 

Detailed evidence was provided to Fidelity in a timely fashion contained within the forms and subsequent photo evidence and that supported the following : **in response to my reaching out to return the product**, XXXX had promised in multiple formats ( communication with their agent XXXX ) not to worry and that a refund would be issued ( website plus communication with their agent XXXX ). XXXX ultimately prevented my being able to use the very return policy that they themselves detail by failing to provide a return address ( and return ID ) upon explicitly contacting them regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to XXXX 's large network of warehouses. XXXX never provided these necessary details, despite the evidence explicitly demonstrating that I did reach out to XXXX regarding returning the defective merchandise. All of this was also explained to Fidelity Cardmember Services agents over the phone multiple times in great detail. 

Fidelity also claimed that the case processor was " unable to reach [ me ] or leave a voicemail '' ; this is despite a ) other callers were able to both reach me and leave voicemails without any issue during this same period, b ) no Fidelity numbers were blocked, and c ) at least one Fidelity Cardmember Services agent confirmed over the phone that this is a common problem that they hear from other Fidelity customers despite these customers having working phone lines and voicemail boxes. 

Kindly note that the section 45 of the enclosed Cardmember Agreement that your team references does detail small claims court as being exempt from the arbitration process. " The merchandise was not returned '' because it physically could not be returned by the customer due to the merchant 's failure to engage in and provide, upon request, order-specific return details ; hence, " rights to assist [ the customer ] further through the Visa Dispute Process '' do remain. Fidelity 's negligence in investigating this dispute also remains, as do the customer 's rights to pursue Fidelity for those losses irrespective of the merchant 's actions. Your team 's actions in response to this complaint will be important in determining next steps associated with this investigative negligence.

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 2022-01-02
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attention : XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made XXXX : XXXX Made on : XXXX Made with : Equifax

Company response to consumer: Closed with explanation