BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Credit Karma, LLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to XXXX by XXXX XXXX and was severely let down by them. My husband and I to this hotel for our honeymoon. We were let down immediately when there was no jetted tub in the room. The bed was so awful that I'm still on muscle relaxers to recover. The water pressure didn't exist. The breakfast was awful. The only good person was the in the evening the night of check and the night after. XXXX told me that the hotel knows its false advertising but they won't change their listing and that my complains are common. I reached out to hotels.com to get my money back and they said no because the hotel won't refund. I called their cooperate and they said not their problem, I went through my bank and they said they hotel won't give them the money back so they won't give me my lonely back. I'm literally trying everything possible to get my lonely back ( the booking was under my husband XXXX XXXX ) I'm unbelievably upset and in disbelief that I'm having to.fight tooth and nail yo get my money back. The manger even came to my room when I wasn't there to check something out, and I asked them to check the water pressure and things like that. And I was told nothing would be done since it was a saturday and it wouldn't be fixed until Monday ( day after I checked out ). I got little to no sleep with the people letting thier kids run around above us and the people on motorcycles sat in front of our window, on idle, with their music blasting at like XXXX on a saturday! I want my money back from this stay now! We stayed form XX/XX/XXXX to XXXX, 2023. We have been working with credit karma and they said because they couldn't get the money back, they won't give it back. And that shouldn't matter. I provided a ton of proof about how this hotel didn't provide me with that I purchased! I booked through XXXX in about XXXX For between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Resurgent Capital Services L.P.
State: MO
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:
Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with LVNV funding LLC  and I want my money back. Was never given XXXX099-C for any of these debts. I believe these companies are committing tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received an e-mail with approval for an unsolicited AvantCard credit l9ine of {$750.00} for which I did not apply. I then received a second e-mail stating that there was a discrepancy in the address used on the application not matching with my credit report. 
An inquiry is now on file with my credit report. 
I received a 3rd email on XX/XX/2022 at XXXX XXXX  welcoming me the Avant Card services and received a card member agreement electronically. 
And finally, a 4th e-mail was sent on XX/XX/2022 at XXXX XXXX  stating that my loan application was denied. 

I never applied for credit with AvantCard. I contacted the company and started a fraud case, but have yet to hear from their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2018-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX. I made an online purchase @ XXXX XXXX website for additional checked bags for the amount of {$300.00}. 1st checked bag {$0.00} + 2nd checked bag {$100.00} + 3rd checked bag {$200.00}. according to airline policy. 

at the counter ( airport ) we had only a total of 2 bags to check in, one free and the 2nd for {$100.00}, we were informed by the employee that there will be a refund of {$200.00}, to contact the credit card company AMEX to issue the refund. 

on XX/XX/XXXX opened dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX and realized that the credit card company still does not understand what happened, they thought the charges were for extra weight. 
was informed that they would request records of the total checked bags or excess weights. since the airline companies refund customer service cant be reached by phone, only through there website, and the website did not allow the claim to be filed. 
XXXX XXXX  had only sent two Unclear and Unreadable pages that did not clarify a thing but was considered solid proof for AMEX to cancel my dispute three times. 

please note that after the 3rd attempt and speaking to a manager by the name XXXX (XX/XX/XXXX )  dispute XXXX were we requested additional information, AMEX took it on its own within 12 hours to close the dispute for the 3rd time. 

all that was done by XXXX XXXX is to be unreachable and send two unreadable pages. 
AMEX Gold Card Holder with {$190.00} membership fee X 2. 

all documnetation are available upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care Credit  has been inadvertently charging me a security fee. I thought maybe I signed up and didnt realize, but I have family and friends who say they didnt sign up for it either. When I asked for a refund on the hundreds of dollars paid in since XX/XX/2018, they said some deadline had passed and that I could only get the last payment of {$20.00} back. They cancelled any future purchase but I did not sign up for it in the first place!

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 2022-05-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
BANKRUPTCY file # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? 
If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. 

Reference case XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page XXXX U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, bale said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. 

Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: COMMERCE BANK
State: OH
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:
On XX/XX/XXXX, the card was approved. Without warning. 10 days later on XX/XX/XXXX, it was denied. It was a {$1000.00} limit. I had to pay cash at XXXX because I was given a bait-and-switch card. After 2 days on hold with support, they told me that " bad financial information was given '' in error. 

20 days later, they had notified me of closing the account by sending a letter, denying any wrong-doing whatsoever. 

I had called the lady responsible for Commerce Bank 's credit approval and denial, and they gave me an XXXX XXXX excuse as to why they denied it, citing made-up people on my file that wasn't even there. They tried to pass the buck to XXXX and anyone they could. 

Upon calling back to follow up with XXXX and XXXX, they said my credit score was fine and in good standing. 

The credit reviewer said they would " take a look '' at this deceitful company and try to get even MORE information out of me, sending me a selfie and photo ID and driver 's license which I flat out refused and declined to do. 

Is there anyone willing to help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$1400.00} /

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it 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 non-monetary relief
Consumer complaint received 2018-10-17
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a 100 % XXXX Veteran that was XXXX XXXX in XX/XX/2013. Due to service connected injuries, I have become unable to work. I fell delinquent on the AAFES/Star Card account and have had my tax returns taken since leaving the military. 
I would like a printout showing the original balance owed when the debt first became delinquent, as well as something showing the $ XXXX total that has been offset from my taxes- applied to the debt. They have taken over {$4000.00} total and are now garnishing my SS XXXX benefits in the amount of {$250.00} per month. They send billing statements with no decrease to my balance and refuse to mail me anything showing the original balance upon separation and a detailed list of all of the funds they have taken from me, applied to the account. I am told to contact the debt collection company they transferred the debt to, with them refusing to provide information as well. I can not pay a debt that the balance continues to grow. I do not need a statement that shows nothing but the current balance. Where has all that money gone? I have already lost everything I own, from being unable to work, yet this company continues to take my money and refuses to provide documentation of all money that has been offset. I am at a loss. This is why XXXX commit 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 2023-08-31
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was shocked to learn that it was sufficient for someone to know my name, addressand cell phone number to open a Chime bank account and have a debit card sent to my address. 
My employer in factreports a wave of fraudulent activity tied to Chime ( https : XXXX ). Unauthorized accounts have been opened using XXXX XXXX employees personal information and victims then receive unsolicited debit cards sent to their mailing address. 
I am writing to you now to assist me in requesting that the fraudulent account be closed ( XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX ). I never requested a card from Chime and never did any business with Chime. But when I contact them, they send me an autoresponse. 
I need Chime to confirm in writing that the fraudulently opened account has been flagged as fraud, and closed down. Thank you very much in advance for your timely response, as I count on your office to assist with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
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 have an issue with PENFED Credit Union. This issue has been going on for over a year and I am getting the run around. Initially, I was alerted through XXXX XXXX of a charge by PENFED for {$10000.00} that I did not recognize. Then on XX/XX/XXXX, I received a call from PENFED Collections. XXXX, from PENFED, said that they were wanting to collect on an account that supposedly I had co-signed for. She asked if I knew a XXXX XXXX and if I was related. I know of no such person and I never co-signed for anyone. Then she gave me their Fraud Department number of XXXX. I let XXXX know the I have reported Fraud to PENFED, XXXX and the Police Department of the city of XXXX. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department asking for the status on the case. He was of no help. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department. She said that she was going to relay a message to XXXX XXXX, the Fraud investigator and ask him to call me. He never did. 

On XX/XX/XXXX, spoke to XXXX in the Fraud department. All she did was give me a PENFED Fraud department address of XXXX XXXX XXXX, XXXX, NE. I mailed at their request the affidavit of FRAUD and Forgery form ( XXXX ). I also attached the XXXX Police Report Form. Per their request, a copy of my photo for identification purposes. We I have not heard from them. 

On XX/XX/XXXX, I called the Fraud Department ( XXXX ) XXXX ext. XXXX. I spoke to XXXX. He put me on hold and reached out to another Fraud Department processor. Being that the next step is to correct the issue. I never received a letter of Fraud Corrections from PENFED. All that was re-sent were the same forms of the Affidavit of Fraud and Forgery to fill out. It had already been mailed to them on XX/XX/XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. She said she will escalate this matter in the Fraud Department for her Manager to resolve. XXXX said she noted that this issue has been going on for over 1 year and should have been resolved. 

To this date I have not heard from them through mail or via phone call. It appears that PENFED has bad communications within their own work departments. I am totally being ignored due to their negligence. I dont understand how PENFED approved a loan without confirmation from the supposedly borrower. 

PENFED is not forthcoming with how the loan was created. Whether it was an on-line approval or at a credit union facility. This has affected my credit ratings negatively. I was once rated over XXXX and now I slightly above XXXX due to this issue.

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 2023-05-02
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I rised a dispute to XXXX credit report company to make a correction in my credit report on XXXX company reply me on XXXX We had received your email with all the necessary information and raised it with the financial instituition. We are awaiting the response from the bank for us to resolve the same at our end.The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial instituition. so far problem not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt showed up on my credit without following fdcpa There was no letter to give me the option to dispute. 
Letters were sent to requesting debt validation in XXXX, XXXX, XX/XX/2023 and no response. 
Address for this company is saying undeliverable.

Company response to consumer: Closed with explanation