BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am the owner of XXXX XXXX, which is a XXXX XXXX XXXX based in Arizona. On XX/XX/XXXX, XXXX XXXX used an American Express card ending in XXXX to book my property in the amount of {$8200.00}. XXXX XXXX booked my property through XXXX XXXX XXXX  ... He booked for XXXX XXXX XXXX. On the terms and conditions page you will find that there is no refund available if you cancel less than 30 days before check-in. you will see in my attachments that when you go to book on the website, you must check a box that says " i agree to the terms and conditions '' which takes you to the page that lays out the refund policy. there is also a box below it that makes you check a box for the cancellation policy- laying out the refund policy again. XXXX XXXX checked both of those boxes and made the payment. that is, the payment would not be able to be processed unless the person checked those boxes. 

The credit card used was American Express, but my credit card processor is XXXX. 
On XX/XX/XXXX, XXXX and XXXX XXXX cancelled the reservation to stay at my property. This was one day before check-in. Therefore, no refunds were available. 
XXXX XXXX filed a dispute with American Express and American Express ruled in his favor. I was notified by XXXX that there was a dispute opened on XX/XX/XXXX. I sent in the contract that XXXX XXXX had with my company but American Express ruled in his favor, and XXXX denied my claim for the dispute. I am now hoping to submit evidence that will show evidence that the customer expressly agreed to the payment agreement and contract listed on the website that they booked through. I am hoping to have the chargeback reversed so I can get reimbursed from the fraudulent claim against me and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TN
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: SYNCHRONY FINANCIAL
State: MD
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:
Good day, I am contacting you in regards to a complaint you've been assisting me with, the details : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
I would like to ask for your assistance because the complaint I submitted was never resolved. On XXXX, 2021, Synchrony bank responded to the concerns ( raised by cfpb ), and stated : " Based upon you notifying Synchrony Bank that you did not authorize this credit application ; an electronic request has been sent to the major credit bureaus to have this inquiry deleted. Please note, the credit bureaus may require up to 60 days to complete this action. '' Unfortunately, the inquiry has never been deleted and my credit report and score are affected by Synchrony Bank 's misleading actions.

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 2023-06-13
Company: EQUIFAX, INC.
State: GA
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 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Information belongs to someone else

Complaint:
XXXX or XXXX  totally XXXX  up my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Consumer Portfolio Services, 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:
Ive already submitted a complaint about this business. Now Im going to state how many of my rights they violated they were not fair or equitable and also defamed my character. I have a right to privacy I havent gave them permission to run my credit or my information. Also I was denied without an explanation or reason why. 15usc1681i, 18usc1961, 15usc1681b,15usc1681b4,15usc1681a4,15usc6801,15usc6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a XXXX XXXX bankruptcy, and the credit bureaus said it was verified through XXXX XXXX. I called XXXX XXXX and they do not show that bankruptcy on my account/record at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
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 NUMEROUS 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 Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau 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. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
This is the second time in one week this has happened. 
I put a stop payment for XXXX and the funds still came out of my account for {$310.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Since XX/XX/2022, the account has been disputed with XXXX XXXX  multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

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 2022-03-25
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NATIONAL CREDIT SYSTEMIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CA NATIONAL CREDIT SYSTEMIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NATIONAL CREDIT SYSTEMis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased a home in XX/XX/2017 using a VA loan ( we are both former XXXX XXXX XXXX ) through XXXX XXXX XXXX. At some point, the mortgage was sold by XXXX to XXXX XXXX XXXX. As per our agreement with XXXX, we payed into an escrow account every month, and from that, the mortgage company payed down our primary on the loan, the taxes on the property, and the Homeowner 's Insurance with our chosen insurance provider, USAA. In XXXX, we were contacted by USAA, who informed us that we were behind on our insurance payments. We were confused, seeing as how it all comes out of the escrow account. My wife contacted XXXX several times to resolve the issue. In order to ensure coverage with USAA, my wife made a direct payment to USAA of {$340.00} on XX/XX/XXXX. She was contacted again in XXXX by USAA, who said that we were again behind. She tried to resolve the situation with XXXX for months, and in XXXX she finally got everything squared away, and XXXX told her that they would send a check to USAA. On XX/XX/XXXX we got a letter from USAA in regard to a refund check that they had sent to XXXX. Apparently, XXXX sent the payment late, as USAA said that they did not receive a payment from them until XX/XX/XXXX. By the time it got to USAA, the account was closed. Since the account was closed, they sent the check to XXXX, since they thought that XXXX was still the Mortgage holder. XXXX then sent the check back to USAA, since they no longer had the account. When USAA got the check back, they forwarded us the message from XXXX, which prompted my wife to call USAA for clarification. USAA then informed her that our policy was canceled due to nonpayment. Unbeknownst to us, we hadn't had homeowner 's insurance for almost a month! To remedy this, we payed the balance of {$640.00} to USAA, and requested to renew the policy. We were informed that since the policy was canceled, our monthly rate would now be {$270.00} per month, when it was {$180.00} per month before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a dispute on XX/XX/23 against XXXX stating that the item was damaged. XXXX offered a return service for refund/replacement. I could not return the item do to the item packing material being way to badly water damaged. Making it impossible to ship back do to it being to damaged/wet. XXXX refused to refund without return. So I had to open a claim. On XX/XX/23 I get a message stating that the case was closed and XXXX ( temporary credit ) was getting removed from my accounts on or after XX/XX/23. This will put my account negative or theyll take my XXXX $ which I should have access to but I dont since chase messed up badly and closed my account and is holding XXXX $ hostage. The issue was this investigation was handled incorrectly due to Chase not filing claim correctly. Chase stated on the reason for the claim was I returned or canceled this purchase but haven't been credited. this is false and nowhere near accurate to what I stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, a negative debt collection was added to my credit report for {$39.00}. On further investigation, it was related to a cable modem I'd returned a year earlier when I moved from XXXX  to Georgia. XXXX XXXX XXXX XXXX had told me that I could return the modem at any XXXX  even when in XXXX. This turned out to be false. At the time their website was experiencing issues and no one over the phone would give me any information. My account is still mangled and I pull the wrong account number when I go to their website. To this day clicking on any options off the main screen yield an error ( multiple browsers, multiple computers, multiple networks ). I most likely wrote this number on the package. I returned the modem at my own expense. Note that they were charging me XXXX XXXXmo for a modem that was worth apparently {$39.00}. I used it for over 6 months. 

I DID have my mail from my old address forwarded by the post office. Spectrum made no attempt to contact me on my email which they had, mail or other means. After about a year, they decided to send me to collections. To this day it still says I owe {$0.00} on their website. When I called them they promised to " investigate '' but said they won't allow a bill dispute for a bill over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2021-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX  has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid. 

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On m y TranUnion c redit file  XXXX  my  XXXX   XXXX   XXXX   XXXX   XXXX    a ccount with an approximate balance of {$68000.00} indicates a derogatory " Chapter  XXXX  Dismissed '' under remarks. However, I have no  Chapter   XXXX  bankruptcy, nor is it listed in the TransUnion  Public Records on  my credit file. I have been denied credit twice in the last 30 days for this erro r. One is fo r a new mortgage, and the other was for a credit card.     I called the TransUnion dispute phone number, and disputed the information error on  XXXX   XXXX ,   XXXX  . I received no email or regular email notification that the investigation was complete or that it had even been conducted. When I called the TransUnion dispute line this morning to check on the status of the dispute, I was told there was no open dispute, and that I would need to submit paperwork showing that I have no bankruptcy. This is impossible since I ca n't submit paperwork to show that something that does n't exist does not exist.     I have a perfect payment record with my  XXXX     XXXX   and need the incorrect information removed asap as it is causing me harm in delaying me purchasing a new home.

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